Medical Underwriter

Allied National; Overland Park (KS); On-site; USD 55,000 - 85,000; Full time

Job summary

Allied National in Overland Park, KS seeks an experienced Medical Underwriter to join our Underwriting Department. The role relies on medical expertise to evaluate risk, set rates, and work with Account Executives and customers to ensure accurate underwriting decisions.

The candidate should have strong knowledge of medical terminology, insurance guidelines, and accuracy in data review, with 1–2 years in related work and a background in health insurance underwriting preferred.

Qualifications

• Must understand medical terminology and insurance contracts.
• Strong math and data interpretation skills.
• Ability to review brochures, certificates and product documents.
• Experience in health insurance underwriting preferred.
• One to two years related work experience or equivalent college education.

Responsibilities

• Underwrite New Business according to guidelines and determine eligibility for health insurance.
• Review Medical Load Report and evaluate medical risk.
• Review Participation Worksheet and Group Eligibility.
• Review carrier bills and renewal rates against census and Allied rates.
• Contact employers or applicants for additional information as needed.
• Create Self-Funded Accounts in AI.
• Review monthly dental renewals and prepare rating recommendations for approval.

Skills

Medical terminology

Mathematics basics

Communication

Team collaboration

Insurance knowledge

Education

High school diploma or equivalent

College education equivalent

Certification in Medical Terminology I and II

Job description

Description

Allied National is seeking an experienced Medical Underwriter to join our Underwriting Department. The Underwriting Department applies the knowledge of Allied's products, plan documents, underwriting manuals and computer systems. The Underwriter will work in a team atmosphere utilizing not only their own expertise but also the expertise of their peer group.

As the voice of Allied underwriting, communication with the Account Executives and our customers is a critical component of this position. Utilizing medical expertise in the overall risk evaluation and rate recommendation is essential for this position.

• Underwrite New Business according to parameter guidelines and determine eligibility of a group for health insurance based upon a review of all eligibility information that has been obtained.
• Review Medical Load Report prepared by Underwriting Implementation Level 2, and evaluate appropriate medical risk.
• Review Participation Worksheet and Group Eligibility prepared by level 2.
• Review Current Carrier Bills and Renewal Rates and compare to census presented and Allied generated rates.
• Conduct employer phone call and as needed contact individual applicants for additional health information and or clarification.
• Create Self-Funded Accounts in AI.
• Review monthly manual dental renewals, populate spreadsheet with rating recommendations to be approved by underwriting management.

Requirements

• High School graduate or equivalent.
• One to two years related work experience or equivalent college education.
• Certification in Medical Terminology I and II.
• Ability to comprehend and interpret information directly from product brochures, certificates and insurance contracts.
• Basic mathematics skills.
• Minimum 4 years of office experience or equivalent college education.
• Knowledge and understanding of medical terminology.
• Very strong knowledge and understanding of medical terminology.
• Minimum 3 years experience in the insurance industry, including 1-2 years experience in group and individual medical underwriting preferred, or equivalent medical background.