Title: Entry Level Underwriter Location: columbia, SC, United States Job Description: Full time job requisition id R_3257 A career at Auto-Owners is challenging and rewarding. Our group of caring associates create financial security by helping individuals and businesses make a new start when a loss occurs. Job Description We offer a merit-based work-from-home program based on job responsibilities. After initial training in-person, this specific role could have the flexibility to work from home up to 3 days per week. Auto-Owners Insurance, a top-rated insurance carrier, is seeking a motivated underwriting trainee to join our team. This job performs and applies insurance coverage, rules and guidelines to execute the underwriting decision-making process according to Company underwriting philosophy. This job includes training and development through completion of the Company’s underwriter training program for the assigned line of insurance and requires the person to: - Learn various insurance coverages and contracts along with company philosophy and procedures, in order to make underwriting decisions - Read, interpret, and react to documents such as policies, manuals, forms, and endorsements to understand their meaning and use - Assemble information, develop opinions, and clearly express decisions using sound reasoning and judgment - Analyze loss experience, financial conditions and physical characteristics of risks - Acquires a working knowledge of supporting sections of the underwriting department - Effectively communicate with independent agents and other associates through verbal and/or written means - Participate in and successfully complete the Company underwriter training program Desired Skills & Experience - Bachelor’s degree or direct equivalent experience with property/casualty underwriting - Ability to organize data, multi-task and make decisions independently - Above average communication skills (written and verbal) - Ability to write reports and compose correspondence - Ability to resolve complex issues - Continually develop product knowledge through participation in approved educational programs Benefits Auto-Owners offers a wide range of career opportunities, and we are seeking talent that will help us continue our long tradition of success. We offer a friendly work environment, structured training program, employee mentoring and an excellent compensation/benefits package. Along with a competitive base salary, matched 401(k), fully-funded pension plan (once vested), and bonus programs, Auto-Owners also provides generous paid time off including holidays, vacation days, personal time, and sick leave. If you're looking to do rewarding work alongside great people, Auto-Owners is the place for you! Equal Employment Opportunity Auto-Owners Insurance is an equal opportunity employer. The Company hires, transfers, and promotes on the basis of ability, without consideration of disability, age, sex, race, color, religion, height, weight, marital status, sexual orientation, gender identity or national origin, or any factor contrary to federal, state or local law. *Please note that the ability to work in the U.S. without current or future sponsorship is a requirement. #LI-AT1 #LI-Hybrid

Specialty Navigator II Location: Norwood, MA Overtime status: Non-exempt Travel: No HYBRID IN NORWOOD, MA Optum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best.Here, you will find a culture guided by inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health optimization on a global scale.Join us to start Caring. Connecting. Growing together. Reporting to and working under the general direction of the Supervisor(s) and Manager of the department, reviews complex referral requests and evaluates and assigns appropriate specialists for the patient. Works with patients and providers to understand services being requested. Interviews patients as needed to obtain full understanding of what information is being requested. Works closely with Specialty Nurses to ensure clinical handoffs are safe and appropriate. Coordinates care both within Atrius Health and with external partners. Schedule: FT, 40 hours. Monday - Friday, 8:30am - 5pm. This is a hybrid role, hybrid schedule to be determined by manager upon hire. Location: 1177 PROVIDENCE HWY NORWOOD, MA 02062 If you are located within a commutable distance to our Norwood, MA office, you will have the flexibility to work a hybrid schedule as you take on some tough challenges. Primary Responsibilities: - Reviews referral information from clinicians for pertinent information regarding tests, consultations, and procedures. Verifies demographics and insurance information. Work is highly complex and detail oriented, involving frequent contact with a range of internal and external contacts as well as the need to understand terms and processes of multiple payers - Reviews referral information from work queue for pertinent information regarding referral requests - Conduct detailed reviews of specialty referral requests for opportunity to convert to internal referral in collaboration with clinical team members, ensuring alignment with organizational referral guidelines - Explains insurance benefits and options to patients. Explains denials to patients. Keeps patient informed of status of all referrals (approved and denied). Notifies patients of scheduled appointments and confirms appointment by mail including confirmed location and map of destination. Informs patient of any preparation that must be completed prior to the appointment. Contacts patient if insurance coverage issues arise during the referral process so that patient can work directly with the insurance company. Manage complex patient interactions related to referral decisions, effectively de‑escalating concerns while maintaining adherence to clinical and organizational standards - Promotes the Atrius Health System of Care by highlighting internal providers and their expertise - As needed, places orders to start the referral process for the PCP on behalf of patients who have booked appointments and call for the referral - Researches the visit notes to determine if a referral was intended as well as processing referrals for follow-up or annual visits that require a referral - Schedules patients for tests, consultations, services and procedures with other departments, local private offices, and/or outside vendors/providers - Answers phone calls, faxed requests and other inquires relating to referrals and communicates with the physicians and clinicians to acquire authorization or to inform them of patient issues or clinical paperwork needed - Research questions/concerns from patients regarding bills and determines if issue is related to the referral process. Assists in resolving billing and denied referral matters as they relate to the referral process. Refers patients to appropriate staff (e.g., patient account representatives) for billing issues related to insurance benefits and services covered under the benefits plan - Works in collaboration with the person designated as the Practice's Benefits Coordinator to maintain cost control, ensure that services provided are within benefit plan guidelines, and that necessary policies and procedures are followed when dealing with non-preferred providers/vendors. May coordinate second opinion requests - Works with supervisors to ensure patients are receiving timely responses and detailed answers to their complex questions - Research questions/concerns from patients regarding billing and determines if issue is related to the referral process. Assists in resolving billing and denied referral matters as they relate to the referral process. - Receives escalated issues and stat same day calls; determine appropriate action and/or works with clinical team for decision - Effectively deescalates issues with upset patients and practices. Uses advanced listening techniques to understand the issue and give patients options as they are available. Escalates to supervisors only as needed - Supports roles within the Navigator. Trains and teaches as needed - Participates in problem solving activities, focusing on productivity and quality. Works with supervisors to ensure continuous improvement of the department - If needed, contacts appropriate parties to obtain referral authorizations and verify coverage (e.g., the Authorization Services Unit (ASU), National Imaging Associates (NIA) or individual insurance companies). Certain departments may also need to contact additional outside agencies for approval (e.g., American Imaging Management or Med Solutions) - Accesses only the minimum necessary protected health information (PHI) for the performance of job duties. Actively protects the confidentiality and privacy of all protected health information they access in all its forms (written, verbal, and electronic, etc.) taking reasonable precautions to prohibit unauthorized access. Complies with all Atrius Health and departmental privacy policies, procedures and protocols. Follows HIPAA privacy guidelines without deviation when handling protected health information - Ability to work in a busy office environment with frequent deadlines and interruptions - Performs other duties as assigned What are the reasons to consider working for UnitedHealth Group? Put it all together - competitive base pay, a full and comprehensive benefit program, performance rewards, and a management team who demonstrates their commitment to your success. Some of our offerings include: - Paid Time Off which you start to accrue with your first pay period plus 8 Paid Holidays - Medical Plan options along with participation in a Health Spending Account or a Health Saving account - Dental, Vision, Life& AD&D Insurance along with Short-term disability and Long-Term Disability coverage - 401(k) Savings Plan, Employee Stock Purchase Plan - Education Reimbursement - Employee Discounts - Employee Assistance Program - Employee Referral Bonus Program - Voluntary Benefits (pet insurance, legal insurance, LTC Insurance, etc.) You'll be rewarded and recognized for your performance in an environment that will challenge you and give you clear directions on what it takes to succeed in your role as well as provide development for other roles you may be interested in. Required Qualifications: - High School Diploma/GED - 3+ years of experience in a clinical or healthcare setting - Intermediate level proficiency in Microsoft, scheduling software and electronic medical records systems (Epic or equivalent) Preferred Qualifications: - Strong problem solving and complex patient management skills - Relevant experience in the managed care environment - High level of understanding of health insurance products and limitations in order to match patient to available providers. - Bilingual Soft Skills: - Customer Service: Ability to provide a high level of customer service to patients, visitors, staff and external customers in a professional, service-oriented, respectful manner using skills in active listening and problem solving. Ability to remain calm in stressful situations - Decision Making: Ability to make decisions that are guided by general instructions and practices requiring some interpretation. May make recommendations for solving problems of moderate complexity and importance - Problem Solving: Ability to address problems that are varied, requiring analysis or interpretation of the situation using direct observation, knowledge and skills based on general precedents - Independence of Action: Ability to follow precedents and procedures. May set priorities and organize work within general guidelines. Seeks assistance when confronted with difficult and/or unpredictable situations. Work progress is monitored by supervisor/manager - Written Communications: Ability to summarize and communicate in English moderately complex information in varied written formats to internal and external customers - Oral Communications: Ability to comprehend and communicate complex verbal information in English to medical center staff, patients, families and external customers - Knowledge: Ability to demonstrate full working knowledge of standard concepts, practices, procedures and policies with the ability to use them in varied situations - Teamwork: Ability to work collaboratively in small teams to improve the operations of immediate work group by offering ideas, identifying issues, and respecting team members *All Telecommuters will be required to adhere to UnitedHealth Group's Telecommuter Policy. Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. In addition to your salary, we offer benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with us, you'll find a far-reaching choice of benefits and incentives. The hourly pay for this role will range from $17.98 to $32.12 per hour based on full-time employment. We comply with all minimum wage laws as applicable. At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone-of every race, gender, sexuality, age, location, and income-deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups, and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes - an enterprise priority reflected in our mission. UnitedHealth Group is an Equal Employment Opportunity employer under applicable law and qualified applicants will receive consideration for employment without regard to race, national origin, religion, age, color, sex, sexual orientation, gender identity, disability, or protected veteran status, or any other characteristic protected by local, state, or federal laws, rules, or regulations. UnitedHealth Group is a drug-free workplace. Candidates are required to pass a drug test before beginning employment.

Title: Commercial Lines Underwriter Location: charlotte United States Full time Job Description: A career at Auto-Owners is challenging and rewarding. Our group of caring associates create financial security by helping individuals and businesses make a new start when a loss occurs. Job Description We offer a merit-based work-from-home program based on job responsibilities. After initial training in-person, this specific role could have the flexibility to work from home up to 3 days per week. Auto-Owners Insurance, a top-rated insurance carrier, is seeking a motivated underwriting trainee to join our team. This job performs and applies insurance coverage, rules and guidelines to execute the underwriting decision-making process according to Company underwriting philosophy. This job includes training and development through completion of the Company's underwriter training program for the assigned line of insurance and requires the person to: - Learn various insurance coverages and contracts along with company philosophy and procedures, in order to make underwriting decisions - Read, interpret, and react to documents such as policies, manuals, forms, and endorsements to understand their meaning and use - Assemble information, develop opinions, and clearly express decisions using sound reasoning and judgment - Analyze loss experience, financial conditions and physical characteristics of risks - Acquire a working knowledge of supporting sections of the underwriting department - Effectively communicate with independent agents and other associates through verbal and/or written means - Participate in and successfully complete the Company underwriter training program Desired Skills & Experience - Bachelor's degree or direct equivalent experience with property/casualty underwriting - Ability to organize data, multi-task and make decisions independently - Above average communication skills (written and verbal) - Ability to write reports and compose correspondence - Ability to resolve complex issues - Continually develop product knowledge through participation in approved educational programs Benefits Auto-Owners offers a wide range of career opportunities, and we are seeking talent that will help us continue our long tradition of success. We offer a friendly work environment, structured training program, employee mentoring and an excellent compensation/benefits package. Along with a competitive base salary, matched 401(k), fully-funded pension plan (once vested), and bonus programs, Auto-Owners also provides generous paid time off including holidays, vacation days, personal time, and sick leave. If you're looking to do rewarding work alongside great people, Auto-Owners is the place for you! Equal Employment Opportunity Auto-Owners Insurance is an equal opportunity employer. The Company hires, transfers, and promotes on the basis of ability, without consideration of disability, age, sex, race, color, religion, height, weight, marital status, sexual orientation, gender identity or national origin, or any factor contrary to federal, state or local law. - Please note that the ability to work in the U.S. without current or future sponsorship is a requirement. #LI-AT1 #LI-Hybrid #IN-DNI

Social Worker - Per Diem Requisition number: 2358020 Job category: Medical & Clinical Operations Primary location: Waukesha, WI Overtime status: Non-exempt Travel: No Explore opportunities with Optum, in strategic partnership with ProHealth Care. ProHealth Care is proud to be a leader in health care services, serving Waukesha County and the surrounding areas for more than a century. Explore opportunities across the full spectrum of care as you help us improve the well-being of the community with your skills, compassion and innovation. Be part of a collaborative environment that strives for excellence, nurtures respect and ensures high-quality care delivery to our patients. Join us in making an impact as an Optum Team Member supporting Pro Health Care and discover the meaning behind Caring. Connecting. Growing together. The Social Worker is responsible to act as a liaison and assists in coordinating resources for the care of health plan members with multiple co-morbidities and/or psychosocial needs. The primary scope is to provide counseling and assistance to patients and their families as requested with personal, financial, ethical, and environmental difficulties that predispose patients to illness. The Social Worker acts as an advocate for members and their families linking them to community resources and financial assistance programs for continued growth toward a maximum level of independence. The Social Worker will interact and collaborate with the interdisciplinary care team, which includes physicians, nurses, case managers, pharmacists, laboratory technologists, other social workers, dietitians, and other educators. The Social Worker (SW) is responsible and accountable for coordination of patient services through an interdisciplinary process, which provides clinical and psychosocial approach through continuum of care. Discharge planning will begin at the time of (or prior to) admission, and reassessed ongoing throughout the course of hospitalization. Provides direct social work/case management services to patients and/or families and hospital staff to ensure needed assessment intervention, support, and referral. Coordinates services with other members of the health care team community wide. Respond to information and referral needs of the community. The foundation of the SW role includes crisis intervention, comprehensive understanding of mental health diagnosis, brief counseling, working collaboratively with community vendors, identifying resource needs, arrange and facilitate meetings with the health care team as needed, problem solving and promoting patient wellness. This position is per diem (as needed). Employees are required to work any of our shift schedules during our normal business hours. It may be necessary, given the business need, to work occasional overtime. Our hospital location(s) are in Waukesha WI. We offer 4 weeks of on-the-job training. The hours of the training will be aligned with your schedule. Primary Responsibilities: - Coordinates patient care processes to achieve desired quality outcomes and identifies / controls appropriate resource utilization - Provides skilled interventions for: patient/family support and/or resolution of patient/family crises; facilitating problem-solving and decision-making; advocacy and facilitation necessitated by life-changing events (new diagnosis, abuse, loss of independence, bereavement); and mediation of risk factors and various psychosocial issues - Assesses need for post-hospital services and community resources at the time of discharge - Develop plans of care and management plans for patients who frequent the Emergency Department in partnership with patient physician, ED Provider, and community resources - Support patients, caregivers and/or family with psychosocial or behavioral needs - Educates patient/family on options and choices available within the appropriate level of care - Reports child and adult abuse and neglect to community agencies as mandated by law - Assesses patients who may have experienced violence and makes appropriate reports and referrals - Educates and collaborates with Care Team on care planning and discharge resources - Involves staff at the next level of care when appropriate to promote continuity of care - Interfaces with Department Leaders, Risk Management and patient representatives to identify potential QA or risk issues - Participates in departmental quality improvement projects - Initiates all necessary paperwork for all reports, plans of care, referrals, and community resources - Must be able to functionally coordinate and discharge plan for all age groups, including the unborn child through geriatric age groups - Is familiar with and expected to comply with all regulatory requirements, including CMS and Joint Commission Standards You'll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in. Required Qualifications: - Bachelor's degree in social work (BSW) - 2+ years of experience working in a healthcare setting - Knowledge of healthcare terminology - Ability to effectively read, write, and speak, cognitively process, and emotionally support performing other duties as assigned - Ability to work onsite at hospital location(s) in Waukesha WI regional area - Ability to work any of our per diem (as needed) shift schedules during our normal business hours, including flexibility to work both weekday and weekend shifts Preferred Qualifications: - Clinical social work experience - Hospital discharge planning experience - ACM - Social Work Certification Soft Skills: - Critical Thinking skills - Excellent written and oral skills - Oral & written communication skills #OptumInsightPJ *All employees working remotely will be required to adhere to UnitedHealth Group's Telecommuter Policy. Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. In addition to your salary, we offer benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with us, you'll find a far-reaching choice of benefits and incentives. The hourly pay for this role will range from $28.94 to $51.63 per hour based on full-time employment. We comply with all minimum wage laws as applicable. At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone-of every race, gender, sexuality, age, location and income-deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes - an enterprise priority reflected in our mission. UnitedHealth Group is an Equal Employment Opportunity employer under applicable law and qualified applicants will receive consideration for employment without regard to race, national origin, religion, age, color, sex, sexual orientation, gender identity, disability, or protected veteran status, or any other characteristic protected by local, state, or federal laws, rules, or regulations. UnitedHealth Group is a drug - free workplace. Candidates are required to pass a drug test before beginning employment.