Medical Underwriter - Remote Within Central Time Zone

At UnitedHealthcare, we’re simplifying the health care experience, creating healthier communities and removing barriers to quality care. The work you do here impacts the lives of millions of people for the better. Come build the health care system of tomorrow, making it more responsive, affordable and equitable. Ready to make a difference? Join us to start Caring. Connecting. Growing together.

As a Medical Underwriter, you will learn to analyze new business health insurance applications in order to assess risk of future claims for Our Company at an experienced level position. You must be an experienced medical underwriter, trainable to learn our in-house guidelines and systems, self-motivated, able to work independently, confident in making your own decisions, have the ability to analyze medical information, work well with other team members, communicate effectively orally and written.

This position is exempt/salary full-time (40 hours/week) Monday - Friday. Employees are required to work normal business hours of 8am-6pm Thursdays and 8am-5pm M-W & Friday. Thursday’s employees will be required to work 8am-6pm. It may be necessary, given the business need, to work occasional overtime or weekends.

If you are located in Central Time Zone, you will have the flexibility to work remotely* as you take on some tough challenges

Primary Responsibilities:

• Review/Analyze Evidence of Insurability and determine appropriate course of action (e.g., request requirements, approve, rate, decline)
• Assess Medical Risk for the Company
• Communicate decisions/outcomes to applicable audiences (e.g., employer, applicant, agent, internal business partner)
• Apply appropriate medical underwriting criteria to determine insurability, based upon in-house underwriting guidelines
• Review/Analyze medical history of relevant populations (e.g., medical applications, APS, exams, claims history) to correctly and completely identify medical risk or potential increased risk of morbidity or mortality
• Responding to internal and external queries regarding application submissions
• Completing additional tasks and special projects as needed
• Complete an average of 80 files per day

You’ll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in.

Required Qualifications:

• Proficiency in medical terminology, prescription name/usage, vendor systems (e.g., MIB, Milliman, ExamOne) and ability to learn our in-house system
• Ability to keep all company sensitive documents secure
• Proven effective analytical and problem-solving skills, sound judgement, solid decision-making ability and confidence to make difficult decisions
• 2+ years of experience working as medical underwriter
• Live in a location that can receive a UnitedHealth Group approved high-speed internet connection or leverage an existing high-speed internet service
• Adhere to attendance policy
• Performing daily work using health insurance industry software
• Dedicated work area established that is separated from other living areas and provide information privacy
• High School Diploma/GED
• Willing and able to work full-time 8am-6pm Thursdays, 8am-5pm M-W & Friday
• Reside within Central Time Zone
• Proficiency with Microsoft Word (updating/editing workbooks), Outlook (receiving/sending emails) and TEAMs

Preferred Qualifications:

• Experience working as a telecommuter
• Experience working in health insurance industry

• All employees working remotely will be required to adhere to UnitedHealth Group’s Telecommuter Policy

At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone–of every race, gender, sexuality, age, location and income–deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes — an enterprise priority reflected in our mission.

Diversity creates a healthier atmosphere: UnitedHealth Group is an Equal Employment Opportunity/Affirmative Action employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, national origin, protected veteran status, disability status, sexual orientation, gender identity or expression, marital status, genetic information, or any other characteristic protected by law.

UnitedHealth Group is a drug - free workplace. Candidates are required to pass a drug test before beginning employment.