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Delta Dental of Idaho · 1 day ago

Dental Underwriter

Boise, ID

Full-time

Onsite

Mid Level

3+ years exp

Delta Dental of Idaho is the leading dental benefits carrier in the state, dedicated to improving oral health for all Idahoans. The Dental Underwriter is responsible for executing underwriting tasks, including rate analysis and compliance, while collaborating with various internal teams to ensure accurate and timely underwriting activities.

DentalHealth CareInsurance

Responsibilities

Develop an understanding of dental terminology, dental benefits, risk assessment, underwriting guidelines, contract language and the underwriting process and procedures

Analyze and set rates for pool-related plans, individual, ACA (Affordable Care Act), self-insured (ASC) and experience rated groups, and perform special rating requests as they arise

Identify and complete group renewals, including pools, Administrative Services Contract (ASC), and experience rated groups

Recommend renewal rating and quote alternate options as needed

Collaborate with the sales team to ensure new business quotes are accurate and timely

Review group termination requests for accuracy and to ensure contractual requirements are met

Support Underwriting Assistant with approving new group applications, terminating groups, producer appointments or reassignments

May supervise Underwriting Assistant, including hiring, coaching, developing, and engaging employees

Embrace and utilize AI to improve processes and drive efficiency

Develop a robust working knowledge of Proclaim and supporting software required to perform the underwriting and group setup activities

Coordinate with third party actuaries and finance to establish the IBNR reserves

Ensure regulatory and policy compliance by filing required rates and forms; adhering to DOI, CMS/ACA, and Delta Dental Plans Association (DDPA) guidelines; supporting audits; and staying current on regulatory changes

Demonstrate a commitment to the organization's vision, mission, values, code of ethics, and compliance/security standards

Other duties as assigned

Qualification

Insurance UnderwritingRate AnalysisRegulatory FilingsProclaim SoftwareAI Tools ProficiencyAnalytical SkillsCommunication SkillsOrganizational SkillsAttention to Detail

Required

Bachelor's degree in accounting, finance, math/statistics or equivalent experience required

3 to 5 years' experience in insurance underwriting or a related industry

Strong analytical, organizational, and communication skills, with attention to detail and sound judgment

Experience with regulatory filings, rate analysis, and contract management

Ability to prioritize, work with deadlines, and manage multiple tasks

Proficiency in Microsoft Office (especially Excel) and ability to embrace new AI-enabled software tools to improve underwriting efficiency

Ability to use approved AI tools to extract, structure, and validate data from underwriting reports (including PDF-based outputs and ProClaim reporting) to reduce manual re-keying and support renewal rate analysis

Ability to apply AI-assisted analysis to identify renewal rate drivers, trends, and variances, including reconciling ProClaim outputs with Accounting/financial outputs and flagging anomalies for follow-up

Demonstrated responsible AI use in a regulated/confidential environment, including validating outputs for accuracy and following compliance/security standards when handling sensitive information