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CVS Health
CVS Health
Asigurare de sănătateAsistență medicalăComerț cu amănuntul
CVS Health este o companie americană din domeniul sănătății, care activează în servicii medicale, asigurări de sănătate, gestionarea beneficiilor farmaceutice și farmacii cu vânzare cu amănuntul. Prin companii precum Aetna și CVS Caremark, aceasta sprijină acoperirea medicală, accesul la medicamente eliberate pe bază de rețetă, gestionarea afecțiunilor, medicamentele specializate și serviciile de farmacie prin comenzi prin poștă. Farmaciile sale de proximitate și serviciile extinse de îngrijire sunt concepute pentru a-i ajuta pe oameni să acceseze mai ușor și mai accesibil servicii medicale esențiale. CVS Health reunește asigurările, farmacia și serviciile de sănătate pentru a sprijini persoanele și comunitățile pe tot parcursul experienței lor de îngrijire.
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Locurile de muncă ale companiei

Senior Underwriting Associate, Large-Group Insurance

Support Aetna’s large-group insurance pricing, risk assessment, and profitability through underwriting analysis, quotes, renewals, reconciliations, and customer financial deliverables at CVS Health.

USStatele Unite ale AmericiiCTConnecticut
18 $ – 38 $ / oră
HibridNormă întreagăSeniorLimbă Obligatorie: englezăSubscriitor de riscuri

Descriere

  • Analyze underwriting risks for new and renewing large-group business.
  • Assess pricing, funding arrangements, and contract structures to support sound risk selection and profitability.
  • Recommend underwriting actions that support revenue and membership growth.
  • Manage assigned cases and accounts, balancing competitive positioning with financial performance goals.
  • Build expertise in product lines, funding arrangements, and rating methods.
  • Work with internal partners to deliver underwriting solutions that meet business goals and customer needs.
  • Prepare and present new-business quotes, renewal proposals, and accounting reconciliations for large-group customers.
  • Conduct financial analysis and underwriting assessments to inform pricing, profitability, and growth decisions.
  • Check work for accuracy, completeness, and compliance with underwriting guidelines and company standards.
  • Work with managers and mentors on pricing strategies and accounting balance recommendations.
  • Use underwriting systems, tools, rating platforms, and reference materials to prepare customer deliverables.
  • Apply underwriting guidelines and escalate exceptions, financial variances, and nonstandard risks.
  • Help sales and account teams explain rate development, fee calculations, accounting balances, and underwriting policies.
  • Prepare customer-specific reports, documentation, and financial deliverables.
  • Audit premiums, fees, claim wires, and receivables.
  • Track customer allowances and Minority/Women Business Enterprise (MBE/WBE) goals for compliance and reporting.
  • Take part in departmental projects, cross-functional workgroups, and operational initiatives.
  • Identify process improvements and support automation, workflow enhancements, and efficiency efforts.

Cerințe

  • Strong analytical and quantitative skills to interpret data and make informed business recommendations.
  • Problem-solving and critical-thinking skills.
  • Careful attention to detail and accuracy.
  • Proficiency with Microsoft Office, including Excel.
  • Effective written and verbal communication skills.
  • Ability to prioritize tasks, manage multiple deadlines, and work in a fast-paced environment.
  • Ability to work independently and collaborate with cross-functional partners.
  • Ability to learn new systems, processes, and technical concepts.
  • Basic knowledge of financial analysis, business mathematics, accounting principles, or related quantitative concepts.
  • Experience in underwriting, insurance, healthcare, finance, accounting, analytics, risk management, or a related field is preferred.
  • Experience analyzing data, identifying trends, and making recommendations is preferred.
  • Exposure to pricing, forecasting, budgeting, financial reporting, or account reconciliation is preferred.
  • Experience working with large data sets and performing quantitative analysis is preferred.
  • Knowledge of healthcare insurance products, underwriting principles, or funding arrangements is preferred.
  • Advanced Microsoft Excel skills, including PivotTables and data analysis functions, are preferred.
  • A record of collaborating across teams to meet business objectives is preferred.
  • Interest in pursuing a career in underwriting and risk management is preferred.
  • Bachelor’s degree or equivalent experience.

Beneficii

  • CVS Health bonus, commission, or short-term incentive program in addition to base pay.
  • Medical coverage.
  • Dental coverage.
  • Vision coverage.
  • Paid time off.
  • Retirement savings options.
  • Wellness programs.
  • Resources supporting physical, emotional, and financial well-being.

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