Bachelor's Degree in Nursing or related clinical field
4-6+ years of relevant professional experience
4 years in medical underwriting or risk management, clinical coding, or AHIP certification
3 years of direct clinical experience, preferably in acute care
Proficient in MS Office (Word, Excel, PowerPoint, Outlook)
Knowledge of ICD 10 coding and medical terminology
Responsibilities
Research rare and complicated medical conditions and treatment options
Communicate medical necessity review results to requesters in a timely manner
Analyze medical procedure codes and prescription drug reports for future claim cost predictions
Make recommendations based on medical review summaries and collaborate with Clinical Cost Containment Services
Provide clinical opinions to claims examiners and underwriters as needed
Consult with clients on high-cost claims and implement clinical risk management strategies
Develop work plans, establish timelines, and set goals for assigned tasks
Benefits
Comprehensive health insurance
Retirement savings plan
Professional development opportunities
Flexible work arrangements
Supportive team environment
Full Job Description
Summary of Position
Assess medical risk for each identified claimant utilizing all available information and applying appropriate guidelines to meet the financial risk management goals of the company. Review detailed large claim reports and available clinical information from a variety of sources including trigger reports, detailed individual claim reports, pending and denied reports, case management reports, and utilization reports. Present and document a clear medical review summary with an analysis of the current clinical conditions and a future annual claim projection to underwriting team.
Principal Accountabilities
Research rare/complicated medical conditions/treatment options using resources including the internet, nursing, clinical resource tools by state/network.
Ensure timely and accurate communications of medical necessity review results to the original requester (e.g., primary care team, specialty providers, vendors) in compliance with regulatory and contractual requirements.
Analyze medical procedures codes, medication J codes, and prescription drug reports to assist in predicting the future claim costs and clinical prognosis utilization needs.
Make recommendations based on medical review summary; conduct necessary referrals to Clinical Cost Containment Services; partner with team(s) as needed to ensure care plan and approach are effective to support financial risk management and clinical cost containment based on the identified clinical needs and predicted prognosis.
Provide clinical opinion from knowledge, experience and/or research to claims examiners and underwriters as requested or deemed appropriate.
Consult with internal and external clients on high cost claims and successfully engage effective clinical risk management strategies.
Plan and develop work plans, establish timelines, and set goals for assigned work.
Utilize a comprehensive approach to risk mitigation within area of responsibility by monitoring regulatory changes to ensure on-going adherence to reporting requirements.
Stay informed of current medical and drug trends and share information with team members.
Qualifications
Registered Nurse (RN)
Bachelor's Degree in Nursing or related clinical field
4 - 6+ years of professional relevant work experience (Required)
4 years' experience in medical underwriting or medical risk management, clinical coding or AHIP certification (Required)
Three years' direct clinical experience, preferably in an acute care (Required)
Additional years of experience/specialized training may be considered in lieu of educational requirements (Required)
Ability to successfully work independently; organizational skills; ability to manage multiple tasks simultaneously (Required)
Demonstrated analytical skills; ability to exercise sound judgment, initiative and discretion (Required)
Proficient with MS Office (Word, Excel, Powerpoint, Outlook) (Required)
Demonstrated ability to establish effective working relationships with coworkers and customers (Required)
Knowledge of ICD 10 coding and medical terminology (Required)
Knowledge of state and federal regulations related to underwriting (Required)
Strong verbal, written, interpersonal communication and customer service skills (Required)
Ability to interpret policies and procedures and communicate complex clinical topics effectively (Required)
About EmblemHealth
EmblemHealth is a non-profit health insurance company based in New York City. It is one of the largest non-profit health insurers in the United States, serving over 3 million people. EmblemHealth offers a range of health insurance plans, including HMO, PPO, and EPO plans, as well as Medicare and Medicaid plans. The company also offers wellness programs and disease management services. EmblemHealth was formed in 2006 through the merger of Group Health Incorporated (GHI) and the Health Insurance Plan of Greater New York (HIP). The company has offices in New York City and Albany, New York.
