Keeping insurance human
Medical Claims Representative
Location
United States
Posted
4 days ago
Salary
$47.0K - $64.9K / year
Seniority
Junior
Job Description
Medical Claims Representative
EMC Insurance Companies
• Investigates and evaluates medical only (MO) claims within multiple jurisdictions • Reviews the claim notice and policy to verify coverage, deductibles, compensability, and jurisdiction compliance • Initiates prompt contact with customers to obtain information and explains the claim process • Makes timely contact with insureds, injured employee(s), and witnesses when necessary and documents calls, and activities undertaken within the claims system • Confirms return to work status with insureds • Confirms appropriate medical care, including use of appropriate cost containment techniques and resources, and takes appropriate actions • Sets timely, adequate reserves in compliance with the company reserving philosophy and methodology • Provides prompt, detailed responses to agents, insureds, and injured employee on the status of claims • Escalates claims to their people leader as appropriate • Maintains accurate and timely diaries on all files to handle claims and bring a resolution • Completes state reporting as required within jurisdictional guidelines • Secures all the necessary reports, claims forms and documents • Documents claim handling activity via claim notes, including Medicare (MSP) modules in the claims system • Drafts and sends denial letters upon manager approval • Issues timely payments within check authority limit • Submits referrals to Medical Management and Medical Review Units as appropriate • Markets OnCall Nurse (OCN), Return to Work (RTW), Select Preferred Provider (SPP) to insured’s and identifies non-use for corrective measures • Prepares risk reports for Underwriting • Assists Claims team members with the handling of claims as needed • Attends internal and external training and self-study to keep abreast of changes relating to medical treatment, and jurisdictional and statue changes impacting workers compensation benefits • Completes ongoing continuing education to remain compliant with jurisdictional licensing requirements.
Job Requirements
- Associate degree or equivalent relevant experience
- One year of insurance or claims handling experience or related experience
- Bachelor’s degree may be considered in lieu of the experience requirement
- Attainment of all applicable state licenses within six months of hire
- Basic knowledge of claims adjusting process preferred
- Good knowledge of computers
- Good investigative and problem-solving abilities
- Ability to multi-task and prioritize deadlines
- Strong organizational, written and verbal communication skills
- Strong customer service skills
- Ability to adhere to high standards of professional conduct and code of ethics
- Ability to maintain confidentiality
Benefits
- Outstanding benefits with life, medical, dental, vision and prescription drug coverage
- Competitive paid time off plan and a full day of volunteer time off annually
- Financial incentives, including a 401(k) plan match, pension plan, OneEMC bonus plan and recognition and anniversary awards
- Professional development and growth opportunities, including tuition reimbursement
- Wellness initiatives to improve team member well-being and reduce health insurance costs
- Flexibility to dress for your day and opportunities for alternative work arrangements
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