21 Medical Mutual Sales Representative Jobs Hiring Near You

Founded in 1934, Medical Mutual is the oldest and one of the largest health insurance companies based in Ohio. We provide peace of mind to more than 1.2 million members through our high-quality health, life, disability, dental, vision and indemnity plans. We offer fully insured and self-funded group coverage, including stop loss, as well as Medicare Advantage, Medicare Supplement, and individual plans.
Sr Group Underwriter
Functions independently while evaluating data and risk characteristics of individuals or groups to make complex decisions regarding renewal premiums, prospective client quotes or bids and the implementation of health underwriting policies to achieve acceptable financial results in support of corporate goals for all product lines. Exercises sound judgment in making exceptions to standard underwriting results to promote the retention and acquisition of business. Manages projects and provides training and education to underwriting, sales, brokers, and clients.
Responsibilities:

• Develops renewal rates and premiums within state/ federal regulations, and internal policies and procedures. Evaluates risk and determines logical pricing. Recognizes cost drivers and proposes solutions. Articulates results and recommendations to analysts, leadership and sales/service, brokers & consultants, and clients. Addresses exceptions and negotiations according to policies. Performs final underwriting.
• Proposes meaningful benefit and funding alternatives for existing clients in collaboration with sales to provide the best plan designs to meet the client's and the Company's objectives.
• Analyzes underwriting information, data and risk for prospective individuals and programs in collaboration with sales, brokers & consultants and clients to provide the best plans and approaches that meet the client's and the Company's objectives.
• Acts as a consultant and works with sales, brokers & consultants, clients, , other areas of the company, and senior executives to provide reporting, analytics, insight, and creative solutions that support market and company strategies.
• Trains and develops more junior level analysts and sales personnel to share knowledge, enhance productivity and efficiency of the area(s). Leads development of activities that enhance proficiency of the area(s). Leads staff in the absence of management.
• Performs other duties as assigned

Qualifications:
Education and Experience:

• Bachelor's Degree in Business, Finance or related field.
• Equivalent education and experience directly related to the role may substitute for a degree.
• 5 years' experience as a Group Underwriter or equivalent experience in health insurance underwriting.

Technical Skills and Knowledge:

• In-depth knowledge of underwriting concepts and techniques of general health insurance and benefit funding designs/methodology.
• Ability to underwrite for groups that are complex such as consortiums, multi-levels, and providers.
• Strong math aptitude.
• Intermediate Microsoft Office skills, including Access.
• Ability to orient, train and assist more junior level staff.

Group Underwriter I-III
Evaluates data and risk characteristics of groups and makes decisions of intermediate complexity to establish prospect and renewal rates that are compliant and in support of corporate goals for all product lines.
Responsibilities:

• Calculates/Develops renewal rates and premiums for enrolled individuals or groups, ensuring compliance with state/federal regulations and internals policies. Recognizes unusual and non-standard circumstances which need special accommodation.
• Calculates and processes benefit and funding alternatives for existing individuals and groups. Consults with sales/service to strategize and to determine how to best meet the client's objectives.
• Acts as a consultant and works with sales, brokers, clients, leadership and other areas of the company to provide reporting, analytics, insight, and creative recommendations on cost solutions that support market and company strategies.
• Evaluates underwriting information and data for prospective individuals and groups to calculate proposed rates.
• Evaluates exceptions and negotiations, and makes recommendations for course of action. Processes new enrollment and performs final underwriting of individuals and group business.
• Performs testing of tools and systems. Assists internal and external clients as needed.
• Assists in training and coaching junior underwriting staff as needed.
• Performs other duties as assigned.

Qualifications:
Education and Experience:

• Bachelor's degree in Business, Finance or related field required.
• Equivalent education and experience directly related to the role may substitute for a degree.
• 6 months - 3 years' experience as a Group Underwriter or equivalent combination of experience and training.

Technical Skills and Knowledge:

• Strong math aptitude.
• Demonstrated knowledge of underwriting concepts and techniques and general health insurance and benefit and funding designs/methodology.
• Intermediate Microsoft Office skills, including Access.

Group Underwriter Associate:
Participates in up to a year-long on the job training program that develops knowledge and skills needed to progress in the health plan group underwriting profession. Prepares renewal and prospect cases to be evaluated by Group Underwriters in determining rates. Assists experienced underwriters. Learns to evaluate data and risk characteristics of groups. Assists in the establishment of prospect and renewal rates that are compliant and in support of corporate financial and membership goals for all product lines.
Responsibilities:

• Participates in an on-the-job training program in order to learn and be able to apply knowledge and skills needed to perform the Group Underwriter job. Assists the underwriter in preparation of fully insured and self-funded cases using the various tools used by the department to evaluate prospective and renewal cases.
• Under supervision, rates fully insured cases that are more routine in nature.
• Calculates actuarial values for renewal, renewal alternate, and prospect cases using the department's tool that analyzes benefits, for input into the rating system.
• Gathers necessary data and information to rate both renewal and prospect cases. Generates reporting from the company's Group Reporting system. Summarizes and formats data received from prospects for input. Orders and reviews high claimant notes for renewal groups.
• Produces Underwriting reports including renewal worksheets, ERISAs, IBNRs and other ad hoc reports. Assists in preparation of presentations.
• Assists management with special projects, as needed.
• Performs other duties as assigned

Qualifications:
Education and Experience:

• Bachelor's degree in Business, Finance, Math, or related field.
• Equivalent education and experience directly related to the role may substitute for a degree.
• Experience in the financial services or health care industry preferred.

Technical Skills and Knowledge:

• Intermediate Microsoft Office skills.
• Ability to learn health insurance industry.
• Strong math aptitude.

Medical Mutual is looking to grow our team! We truly value and respect the talents and abilities of all of our employees. That's why we offer an exceptional package that includes:
A Great Place to Work:

• We will provide the equipment you need for this role, including a laptop, monitors, keyboard, mouse and headset.
• Employees have access to on-site fitness centers at many locations, or a gym membership reimbursement when there is no Medical Mutual facility available. Enjoy the use of weights, cardio machines, locker rooms, classes and more.
• On-site cafeteria, serving hot breakfast and lunch, at the Brooklyn, OH headquarters.
• Discounts at many places in and around town, just for being a Medical Mutual team member.
• The opportunity to earn cash rewards for shopping with our customers.
• Business casual attire, including jeans.

Excellent Benefits and Compensation:

• Employee bonus program.
• 401(k) with company match up to 4% and an additional company contribution.
• Health Savings Account with a company matching contribution.
• Excellent medical, dental, vision, life and disability insurance - insurance is what we do best, and we make affordable coverage for our team a priority.
• Access to an Employee Assistance Program, which includes professional counseling, personal and professional coaching, self-help resources and assistance with work/life benefits.
• Company holidays and up to 16 PTO days during the first year of employment with options to carry over unused PTO time.
• After 120 days of service, parental leave for eligible employees who become parents through maternity, paternity or adoption.

An Investment in You:

• Career development programs and classes.
• Mentoring and coaching to help you advance in your career.
• Tuition reimbursement up to $5,250 per year, the IRS maximum.
• Diverse, inclusive and welcoming culture with Business Resource Groups.

About Medical Mutual:
Medical Mutual's status as a mutual company means we are owned by our policyholders, not stockholders, so we don't answer to Wall Street analysts or pay dividends to investors. Instead, we focus on developing products and services that allow us to better serve our customers and the communities around us.
There's a good chance you already know many of our Medical Mutual customers. As the official insurer of everything you love, we are trusted by businesses and nonprofit organizations throughout Ohio to provide high-quality health, life, disability, dental, vision and indemnity plans. We offer fully insured and self-funded group coverage, including stop loss, as well as Medicare Advantage, Medicare Supplement and individual plans. Our plans provide peace of mind to more than 1.2 million Ohioans.
We're not just one of the largest health insurance companies based in Ohio, we're also the longest running. Founded in 1934, we're proud of our rich history with the communities where we live and work.
We maintain a drug-free workplace and perform pre-employment substance abuse and nicotine testing.
#LI-GR1 #Hybrid
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
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