Underwriting Consultant; Meritain Health

We're building a world of health around every individual - shaping a more connected, convenient and compassionate health experience. At CVS Health®, you'll be surrounded by passionate colleagues who care deeply, innovate with purpose, hold ourselves accountable and prioritize safety and quality in everything we do. Join us and be part of something bigger - helping to simplify health care one person, one family and one community at a time.

This Underwriting Consultant is a part of Meritain Health, an independent subsidiary of Aetna and CVS, and one of the nation's largest employee benefits administrators. We have the resources of a national carrier, coupled with the unique flexibility and devoted service of a third‑party administrator (TPA).

The Meritain Health underwriting department supports the attainment of organizational goals through the issuance of prospective and existing business quotations and proposals, including administrative fee pricing, stop‑loss, RFP (Request for Proposal) questionnaire responses, and plan consultation.

This fully remote position will have the opportunity to work on a diversified book of business, including Mid‑Market, Select/Key Accounts, Small Group, and our Captive/Alternate channels.

• Provide guidance and consultation to our Sales and Client Management teams on pricing and stop‑loss strategies.
• Prepare and deliver moderately complex new business quotes, existing business renewals, and/or accountings, while meeting established departmental TAT (turnaround time) goals.
• Prepare financial projections on prospects, utilizing financial models in Microsoft Excel and Salesforce.
• Market and place stop loss policies, negotiating terms based upon claims data, strategy, relationships, and cost avoidance/reduction efforts.
• Work with leaders from key functional areas to understand potential impacts for custom requests.
• Manage and interpret operational data, and apply to fee development and financial analysis.
• Present to internal/external customers, constituents, and business partners.
• Display a clear understanding of the Meritain products and services, along with strong business and systems knowledge.
• Review work for accuracy and recommend pricing and/or accounting alternatives based on financial analysis, underwriting principals, and business strategy.
• Develop and participate in presentation to existing and prospective customers, business partners, and internal business areas.
• Collaborate with leadership in Sales to determine the appropriate product mix to issue on proposals that target reducing total cost of care for the plan sponsor.
• Independently assist sales and client management personnel in explaining rates/fees and communication of underwriting and stop loss policies.
• Establish and maintain a positive and productive relationship with sales, client management, our stop loss panel, and internal partners.

• 1-2 years of medical insurance experience, including brokers (producers), carriers, third‑party administrators, benefit analysis, underwriting, stop‑loss products, rating methodologies, or policy marketing.

• Excellent verbal and written communication skills.
• Exceptional problem solving and decision‑making skills.
• Demonstrated analytical skills.
• Adept at collaboration and teamwork.
• Adept at growth mindset (agility and developing yourself and others) skills.
• Bachelor's degree and/or specialized training certification.
• Intermediate/advanced Microsoft Excel skills.

• High school diploma or GED.

40

Full time

The typical pay range for this role is:

$46,988.00 - $

This pay range represents the base hourly rate or base annual full‑time salary for all positions in the job grade within which this position falls. The actual base salary offer will depend on a variety of factors including experience, education, geography and other relevant factors. This position is eligible for a CVS Health bonus, commission or short‑term incentive program in addition to the base pay range listed above.

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