H E A L T H
Health Insurance Underwriting
Our team of underwriters evaluates major medical, critical illness or other group or individual health insurance applications using company underwriting guidelines, practices, manuals and other medical and non-medical resources to accept, incomplete, decline or otherwise classify risk consistent with pricing assumptions; ON THE RIGHT THING underwriters are continuously supported by our full time Medical Directors on premises to objectively assess and classify applicant fitness for the benefits provided by your health products.
Our team will review all your new business, underwriting mail, and referrals within the best quality and productivity standards. We request requirements, organize and manage the underwriting information in your client files, clearly documenting actions and decisions.
We perform or facilitate the reporting of cases to the Medical Information Bureau (MIB) and your reinsurers. When you outsource your underwriting operations to us, we usually remain invisible; however, if your company’s needs are different, we will also interface with the field, effectively communicating case statuses to your producers and applicants; we’ll also handle your communications with applicants’ attending physicians and other insurance companies during the evaluation of an application, and communicate adverse decisions as required by state laws.
Our team will review all your new business, underwriting mail, and referrals within the best quality and productivity standards. We request requirements, organize and manage the underwriting information in your client files, clearly documenting actions and decisions.
We perform or facilitate the reporting of cases to the Medical Information Bureau (MIB) and your reinsurers. When you outsource your underwriting operations to us, we usually remain invisible; however, if your company’s needs are different, we will also interface with the field, effectively communicating case statuses to your producers and applicants; we’ll also handle your communications with applicants’ attending physicians and other insurance companies during the evaluation of an application, and communicate adverse decisions as required by state laws.