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Job Description:

Summary:

The Small Group Underwriter conducts routine underwriting and back-end audits to ensure compliance with Federal and State laws, as well as BCBSA regulations and corporate underwriting guidelines. The underwriter interacts with Sales, Sales Operations, Enrollment, and other internal parties as necessary to: review new group applications, review group eligibility for renewal, review group/member enrollment, enforce Underwriting guidelines, conduct audits and to answer questions regarding Underwriting Guidelines. The incumbent also responsible for managing a book of business that includes several brokers and serves as a liaison between Health Plan and their broker book to: conduct routing underwriting, present Underwriting Updates, resolve unique group questions and provide reports with outstanding documentation. Through enforcement of the Underwriting guidelines, the Small Group Underwriter helps assure financial and competitive position of Lifetime Healthcare Companies.

Essential Accountabilities:

Level I:

+ Underwrites new business, annual recertifications, retroactivity, and audits. Applies underwriting guidelines, ensuring Health Plan is compliant with State and Federal regulations.

+ Manages a dedicated broker book of business, working with broker partners daily on review items and inquiries.

+ Researches and responds to internal inquiries regarding group and member eligibility.

+ Leads ad hoc projects to support departmental and corporate initiatives.

+ Contributes to maintaining underwriting desk-level procedures.

+ Creates and presents underwriting updates to Sales and Brokers for representatives’ specific book of business.

+ Identifies and analyzes process improvements.

+ Consistently demonstrates high standards of integrity by supporting the Lifetime Healthcare Companies’ mission and values, adhering to the Corporate Code of Conduct, and leading to the Lifetime Way values and beliefs.

+ Maintains high regard for member privacy in accordance with the corporate privacy policies and procedures.

+ Regular and reliable attendance is expected and required.

+ Performs other functions as assigned by management.

Level II (in addition to Level I essential accountabilities):

+ Utilizes internal Data Warehouse to identify high risk situations.

+ Identifies and creates underwriting desk-level procedures.

+ Documents and implements process improvements, up to and including automation.

+ Identifies, creates, and presents training/documentation opportunities to external customers pertaining to Underwriting practices and changes in State and Federal Regulations.

+ Provides training for teammates.

+ Assists with Quality Control reviews and identification of training needs through trends.

+ Represents Underwriting team in place of Underwriting management on high level, cross-functional work teams.

Level III (in addition to Level II essential accountabilities):

+ Organizes, develops, and delivers broker metric analytics to Underwriting management, Sales management, and brokers.

+ Leads new broker onboarding training and regular broker meetings.

+ Ability to present updates of underwriting guidelines and policies to interdepartmental workgroups.

+ Works with management in the development of underwriting policies and procedures.

+ Contributes to writing Underwriting guidelines and filings.

+ Manages the development and maintenance of training documents and processes for the underwriting team.

+ Acts as a mentor to peers both within and outside of the underwriting team.

+ Research and track healthcare trends and opportunities.

Minimum Qualifications:

NOTE:

We include multiple levels of classification differentiated by demonstrated knowledge, skills, and the ability to manage increasingly independent and/or complex assignments, broader responsibility, additional decision making, and in some cases, becoming a resource to others. In addition to using this differentiated approach to place new hires, it also provides guideposts for employee development and promotional opportunities.

All Levels:

+ Three (3) years of experience in a related field.

+ Bachelor’s Degree in Math, Economics, Accounting or Business-related field. In lieu of degree, six (6) years of experience required.

+ Strong analytical background.

+ Basic knowledge of Underwriting guidelines and principles of risk.

+ Working knowledge of financial and risk health arrangements, State and Federal Laws and Regulations relating to groups and individual health insurance and underwriting guidelines.

+ Excellent interpersonal communication skills, including presentation skills.

+ Ability to prioritize assignments, work independently and handle confidential information with discretion is essential.

+ Ability to work independently and with teammates on projects and goals.

+ Proficient in Microsoft Suite of products. Excel and Cognos experience preferred.

Level II (in addition to Level I minimum qualifications):

+ Five (5) years of experience in related field.

+ Excellent presentation and communication skills.

+ Advanced Knowledge of financial and risk health arrangements, State and Federal Laws and Regulations relating to health insurance, and underwriting guidelines.

+ Demonstrated skills in quality principles, especially root cause analysis and problem solving.

+ Advanced skill level in Microsoft Excel and Word, proficient in Microsoft PowerPoint and Access; working knowledge of Cognos or other data extraction tool.

Level III (in addition to Level II minimum qualifications):

+ Eight (8) of experience in related field.

+ Demonstrated account management/relationship management experience.

+ Ability to lead and oversee complex projects and Underwriting initiatives.

Physical Requirements:

+ Ability to work while sitting and/or standing at a workstation viewing a computer and using a keyboard, mouse and/or phone for three (3) or more hours at a time.

+ Ability to travel across the Health Plan service region for meetings and/or trainings as needed.

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One Mission. One Vision. One I.D.E.A. One you.

Together we can create a better I.D.E.A. for our communities.

At The Lifetime Healthcare Companies, we’re on a mission to make our communities healthier, and we can’t do it without you. We know inclusion of all people helps fuel our mission and that’s why we approach our work from an I.D.E.A. mindset (Inclusion, Diversity, Equity, and Access). By activating all our employees' experiences, skills, and perspectives, we take action toward greater health equity.

We aspire for our employees’ interests and values to reflect the communities we live in and serve and strongly encourage all qualified individuals to apply.

OUR COMPANY CULTURE:

Employees are united by our Lifetime Way Values & Behaviors that include compassion, pride, excellence, innovation and having fun! We aim to be an employer of choice by valuing an inclusive workforce, innovative thinking, employee development, and by offering competitive compensation and benefits.

In support of the Americans with Disabilities Act, this job description lists only those responsibilities and qualifications deemed essential to the position.

Equal Opportunity Employer

Compensation Range(s):

Level I: Grade E2: Minimum $60,410 - Maximum $96,081

Level II: Grade E4: Minimum $65,346 - Maximum $117,622

Level III: Grade E5: Minimum $71,880 - Maximum $129,384

The salary range indicated in this posting represents the minimum and maximum of the salary range for this position. Actual salary will vary depending on factors including, but not limited to, budget available, prior experience, knowledge, skill and education as they relate to the position’s minimum qualifications, in addition to internal equity. The posted salary range reflects just one component of our total rewards package. Other components of the total rewards package may include participation in group health and/or dental insurance, retirement plan, wellness program, paid time away from work, and paid holidays.

With about 4,000 employees, 31 counties, and serving the needs of over 1.5 million members, you can imagine the gamut of skills it takes to keep our organization growing and our members flourishing. As an internal job seeker, this means growth and development in many directions, divisions, and roles.Take a look at information regarding our hiring process here. https://lifethc.sharepoint.com/sites/HumanCapitalManagement/SitePages/Talent-Acquisition-%26-Onboarding.aspx#hiring-process All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.