Underwriting Consultant - Remote

Requisition Number: 2340407
Optum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health optimization on a global scale. Join us to start Caring. Connecting. Growing together.
This role is contractually required as part of our agreement with Brighton Health, which is a TPA through Blue Cross Blue Shield of North Carolina (BCBSNC) to dedicate a full-time underwriter to support reseller underwriting activity.
Underwriting in this context involves high variability in group data and plan design, necessitating critical thinking, judgment, and scenario-based decision-making that cannot be effectively replicated through automation.
This position must remain onshore due to multiple factors:

• Client-facing responsibilities: The underwriter may engage directly with account executives and occasionally clients
• Contractual obligation: The Brighton MSA thru BCBS NC contract implicitly requires onshore support
• PHI and regulatory sensitivity
• Responsiveness and turnaround times: The need for real-time coordination with sales and underwriting teams requires co-location in U.S. time zones to meet SLAs

You'll enjoy the flexibility to work remotely * from anywhere within the U.S. as you take on some tough challenges. For all hires in the Minneapolis or Washington, D.C. area, you will be required to work in the office a minimum of four days per week.
Primary Responsibilities:

• Prepare financial experience rating calculations and other ongoing financial reviews that directly aligns with client strategies
• Validate renewals and request for proposals for accuracy including utilization and experience reporting
• Evaluate and negotiate potential alternatives and options for New Business and Renewal groups with internal and external customers
• Collaborate with the Sales and Account Management teams to project pricing and profitability and participate in the development of the business strategy
• Support all requests associated with designated account(s) including annual renewal preparation, ad-hoc reporting, consultation, etc.

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:

• 2+ years of experience in healthcare underwriting for any variety of products: PPO, HMO, self-funded, ASO/fully-insured, group or individual
• Intermediate level of proficiency with MS Office suite (including Word, Excel and PowerPoint)

Preferred Qualifications:

• Proven excellent communication skills, both orally and in writing and solid negotiation skills
• Proven solid analytical, problem solving and critical decision-making skills

*All employees working remotely will be required to adhere to UnitedHealth Group's Telecommuter Policy
Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. In addition to your salary, we offer benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with us, you'll find a far-reaching choice of benefits and incentives. The salary for this role will range from $72,800 to $130,000 annually based on full-time employment. We comply with all minimum wage laws as applicable.
Application Deadline: This will be posted for a minimum of 2 business days or until a sufficient candidate pool has been collected. Job posting may come down early due to volume of applicants.
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.
UnitedHealth Group is an Equal Employment Opportunity employer under applicable law and qualified applicants will receive consideration for employment without regard to race, national origin, religion, age, color, sex, sexual orientation, gender identity, disability, or protected veteran status, or any other characteristic protected by local, state, or federal laws, rules, or regulations.
UnitedHealth Group is a drug-free workplace. Candidates are required to pass a drug test before beginning employment.