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Insurance Medical Examiner Jobs (NOW HIRING)

Government of the Virgin Islands

$12.50/hr

... insurers and other entities having information pertinent to the professional performance of ... Minimum Qualifications The Board of Medical Examiners Four physicians licensed to practice in the ...

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Insurance Medical Examiner information

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$36.5K

$164.7K

$337K

How much do insurance medical examiner jobs pay per year?

As of Jul 3, 2026, the average yearly pay for insurance medical examiner in the United States is $164,731.00, according to ZipRecruiter salary data. Most workers in this role earn between $64,000.00 and $268,500.00 per year, depending on experience, location, and employer.

What are the most common daily responsibilities of an Insurance Medical Examiner?

Insurance Medical Examiners typically spend their days conducting physical examinations, reviewing medical histories, and documenting findings for clients applying for life, health, or disability insurance. They may collect blood and urine samples, perform basic laboratory tests, and analyze results to compile comprehensive medical reports. Examiners often work independently but regularly coordinate with insurance underwriters, laboratories, and sometimes clients’ healthcare providers. This role requires careful adherence to confidentiality standards and attention to detail to ensure accuracy and compliance in all reports and communications. Understanding these responsibilities can help you prepare for the high level of professionalism and integrity expected in the field.

What are the key skills and qualifications needed to thrive in the Insurance Medical Examiner position, and why are they important?

Succeeding as an Insurance Medical Examiner requires a medical degree, licensure, thorough knowledge of clinical assessment, and experience in performing detailed physical examinations. Familiarity with electronic medical record (EMR) systems, diagnostic tools, and industry-standard reporting formats is essential. Strong attention to detail, objective judgment, and excellent written and verbal communication skills distinguish top professionals in this field. These abilities ensure accurate evaluations, clear documentation, and effective communication with insurance companies, all vital for fair and efficient risk assessment.

Where do medical examiners get paid the most?

Medical examiners tend to earn higher salaries in regions with a higher cost of living and greater demand for forensic services, such as large metropolitan areas or states with specialized forensic programs. Salary levels are also influenced by experience, certifications, and the size of the jurisdiction they serve.

What do insurance examiners do?

Insurance medical examiners evaluate applicants' health through physical exams, medical history reviews, and diagnostic tests to determine insurance eligibility and risk. They often work in medical settings or insurance offices, requiring knowledge of medical procedures and attention to detail. Their assessments help insurance companies decide on policy issuance and premium rates.

What qualifications do you need to be a medical examiner?

To become an insurance medical examiner, candidates typically need a medical degree (MD or DO), a valid medical license, and relevant experience in clinical or forensic medicine. Additional certifications or training in occupational health or insurance medicine can be beneficial, and strong communication skills are important for conducting assessments and reports.

What does an Insurance Medical Examiner do?

An Insurance Medical Examiner is a healthcare professional, often a physician or paramedic, responsible for conducting medical evaluations for life or health insurance applicants. They perform physical exams, collect medical histories, and obtain specimens like blood and urine for laboratory testing. Their findings help insurance companies assess an applicant's health risk and determine policy eligibility and premium rates.

Is there a high demand for medical examiners?

The demand for medical examiners, including those working as insurance medical examiners, is generally steady due to the ongoing need for medical assessments in insurance claims and legal cases. Employment opportunities can vary by region and industry growth, with specialized training and certification often required. Overall, the role tends to have consistent demand in the healthcare and insurance sectors.
More about Insurance Medical Examiner jobs
What cities are hiring for Insurance Medical Examiner jobs? Cities with the most Insurance Medical Examiner job openings:
What are the most commonly searched types of Insurance Medical Examiner jobs? The most popular types of Insurance Medical Examiner jobs are:
What states have the most Insurance Medical Examiner jobs? States with the most job openings for Insurance Medical Examiner jobs include:
What job categories do people searching Insurance Medical Examiner jobs look for? The top searched job categories for Insurance Medical Examiner jobs are:
Insurance Medical Examiner jobs near you
Infographic showing various Insurance Medical Examiner job openings in the United States as of June 2026, with employment types broken down into 75% Full Time, 20% Part Time, and 5% Contract. Highlights an 91% Physical, 1% Hybrid, and 8% Remote job distribution, with an average salary of $164,731 per year, or $79.2 per hour.
Dentistry- Independent Medical Examiner (IME)

Dentistry- Independent Medical Examiner (IME)

Dane Street, LLC

Clarksburg, WV

Contractor

Posted 4 days ago

Job description

As Physician Reviewer/Advisor for Independent Medical Exams (IME), you will utilize clinical expertise and reviews insurance appeals, and prospective and retrospective claims. The Physician Reviewer will provide an interpretation of the medical necessity of services provided by other healthcare professionals in compliance with client specific policies, nationally recognized evidence-based guidelines, and standards of care.

MAJOR DUTIES AND RESPONSIBILITIES:

    • Reviews all medical records and addresses each question posed by the client utilizing client specific criteria or other nationally recognized evidence-based criteria
    • Ensures that the rationale for the determination is clear, concise, and contains adequate supporting documentation to substantiate the decision
    • Identifies, critiques, and utilizes current criteria and resources such as national, state, and professional association guidelines and peer-reviewed literature that support sound and objective decision-making and rationales in reviews; refrains from using case studies, cohorts, and the like to make decisions due to their limited sample sizes
    • Provides copies of any criteria utilized in a review with the report in a timely manner
    • Returns cases on or before the due date and time
    • Makes telephone calls as mandated by the state and/or client specifics
    • Maintains proper credentialing and state licenses and any special certifications or requirements necessary to perform the job
    • Attends all required orientation and training
    • Performs other duties as assigned including identifying and responding to quality assurance issues, complaints, regulatory issues, depositions, court appearances, or audits
  • Board certification required, active practice required

PLEASE BE AWARE: In the interest of the security of all parties, Dane Street will never conduct interviews via text or request checks from candidates for any reason including the purchase of equipment. 

Benefits

  • Robust opportunity for supplemental income
  • Schedule flexibility and predictable work hours - You choose services and case types, dictate volume, and conduct exams and reviews based on your schedule availability
  • No doctor/patient relationship is established and no treatment is provided. These are advisory-only opinions.
  • Enhanced industry expertise strengthening your medical practice with medical necessity and utilization review/management expertise
  • Expanded credentials as an expert in Independent Medical Exams and physician advisor services
  • Fully prepped cases, streamlined case flow, transcription services at no cost, and user-friendly work portal

Dane Street supports all referral processes, scheduling, preps cases extensively, prepares all medical records, provides transcription services as applicable, facilitates all client communications, and ensures the quality and timeliness of all reports and report delivery.  

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