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Premera Blue Cross Underwriter II in Spokane, Washington

Join Our Team: Do Meaningful Work and Improve People’s Lives

Our purpose, to improve customers’ lives by making healthcare work better, is far from ordinary. And so are our employees. Working at Premera means you have the opportunity to drive real change by transforming healthcare.

To better serve our customers, we’re creating a culture that promotes employee growth, collaborative innovation, and inspired leadership. We are committed to creating an environment where employees can do their best work and where best-in-class talent comes, stays, and thrives!

As an Underwriter II , you will join Premera’s Eastern Washington team to help support the organizations corporate financial and membership goals by evaluating and selecting risk, using internal systems, formulas, data and data sources, in addition to external data and data sources. This role is considered entry to mid-level and offers the opportunity to acquire a specialized skill set, continued career growth, and a collaborative work environment.

What You’ll Do

  • Evaluate, develop rates and accept or reject risk, after examining appropriate information required to underwrite proposals and renewals. Work often focused on smaller groups and support for senior underwriters on self-funding cases.

  • Use judgment (with appropriate level of peer/manager review) to evaluate system-generated rate calculations for reasonability of the risk.

  • Review requests for alternate benefit packages, determines feasibility and anticipated risk impact and provides support for refunding and minimum premium cases.

  • Suggest alternative options as necessary and develop final rates for benefit offerings.

  • Verify sold group information for new and existing business.

  • Utilize applications to support the rating and underwriting process, including but not limited to systems, claims reporting, and reporting databases.

  • Enforce underwriting guidelines and rules, and administrative rules under which Premera will accept a risk under direction and approval by Management.

  • Monitor and direct activities on case specific issues and/or projects.

  • Test system(s), update procedures before and after implementation and troubleshoot/test errors/update with others.

  • Document procedures/processes for various rating and other systems.

  • Utilize data from Siebel, Trizetto and Optum systems. Learn to navigate and extract data from the systems.

  • Recommend solution to improve procedures/processes for various rating and other systems.

  • May participate on intradepartmental projects.

What You’ll Bring

  • Bachelor's degree in Business Administration, Mathematics, or related field of study, or four (4) years’ related work experience (Required)

  • One (1) year of underwriting or analytical experience (Required)

  • Three (3) years of health insurance underwriting experience (Preferred)

  • Intermediate to advanced Excel skills.

  • Knowledge of self-funding arrangements and underwriting.

  • Ability to present the underwriting department both internally and externally on case specific issues.

  • Ability to work under pressure to meet deadlines, and to effectively manage time to accomplish several tasks concurrently.

  • Ability to work independently and as part of a team.

  • Strong verbal and written communication skills.

  • In-depth knowledge of mathematical principles used in underwriting function.

  • Competent analytical and decision-making skills.

  • General knowledge of healthcare/Life/DI benefits and programs.

  • Ability to document procedures and processes.

  • Ability to develop and present materials to internal and external customers.

  • Ability to process information using rating, pricing, and data gathering programs.

  • Ability to create ad hoc reports using spreadsheet and database applications, as well as third party software applications as required.

  • Strong problem-solving capabilities.

  • Strong data mining capabilities

What we offer

  • Medical, vision and dental coverage

  • Life and disability insurance

  • Retirement programs (401K employer match and pension plan)

  • Wellness incentives, onsite services, a discount program and more

  • Tuition assistance for undergraduate and graduate degrees

  • Generous Paid Time Off to reenergize

  • Free parking

Equal employment opportunity/affirmative action:

Premera is an equal opportunity/affirmative action employer. Premera seeks to attract and retain the most qualified individuals without regard to race, color, religion, sex, national origin, age, disability, marital status, veteran status, gender or gender identity, sexual orientation, genetic information or any other protected characteristic under applicable law.

If you need an accommodation to apply online for positions at Premera, please contact Premera Human Resources via email at or via phone at 425-918-4785.

At Premera, we make healthcare work better. By focusing on improving our customers’ experience purposefully and serving their needs passionately, we make the process easier, less costly, and more positive. Through empathy and advocacy, we change lives.

As the leading health plan in the Pacific Northwest, we provide comprehensive health benefits and services to more than 2 million customers, from individuals to Fortune 100 companies. Our services include innovative programs focused on health management, wellness, prevention, and patient safety. We deliver these programs through health, life, vision, dental, disability, and other related products and services.

Premera Blue Cross is headquartered in Mountlake Terrace, WA, with operations in Spokane and Anchorage. The company has operated in Washington since 1933 and in Alaska since 1952. With more than 80 years of experience in the region, we deliver innovation, choice, and expertise.