Jacqueline Pottinger
Bloomfield,CT
Summary
Talented Professional with 16 years of experience and expertise in commercial underwriting with strong statistical analysis, quoting and negotiating skills. Well versed in preparing insurance policies and terms to manage risk and mitigate loss. Reacts to changes in priorities to meet deadlines while maintaining a high level of professionalism that includes a friendly, and approachable demeanor, strong work ethic, excellent interpersonal skills and quick at mastering new skills.
Overview
18
18
years of professional experience
8
8
years of post-secondary education
Work History
Agile Product Owner Advisor
Cigna Healthcare
Bloomfield, CT
09.2022 - Current
- Facilitate and participate in enterprise project impact assessment, change management regarding new or re-designed underwriting business processes and best practices
- Ensure that key project documentation is developed and maintained to ensure that tasks, issues, and deliverables are tracked against plan, as well as providing timely project status updates and escalating and addressing any issues
- Strategically collaborate with matrix partners in a consultative capacity to provide description, and recommendations through all phases of the project life cycle to include requirements, design, testing, training and implementation, within the agile framework
- Effectively participate in work estimation efforts to ensure accurate project funding forecasting and manage resource/capacity planning through-out the project
- Participate in underwriting in take management activities to include project scope with sales, underwriting, pricing, and IT partners to develop and communicate impact assessment, and assist team in coordinating project requests and prioritization discussions
Pharmacy Risk & Underwriting Advisor
Cigna Healthcare
Bloomfield, CT
05.2018 - 09.2022
- Provided advanced input to complex risk & underwriting assignments/projects
- Independently made pricing decision necessary to compete with the market while balancing profit, rate execution, and persistency
- Developed strategic recommendations related to market competition, products and pricing for commercial and Medicare clients, and performed case-specific risk assessments
- Conducted account level rate development and customer negotiations with other underwriting matrix partners and sales
- Reviewed provider contracts with respect to changes, and updates. Also reviewed, and edited RFPs, created the training manuals for new hires, and mentored new underwriters
UnderwriterSpecialist- Medical
Cigna Healthcare
Bloomfield, CT
01.2015 - 05.2018
- Monitored account-earning plans to achieve growth and profitability
- Consistently maintained new membership growth in excessof 90%, persistency of 88% Sold/Formula ratio for fully insured new business, fixed sold/formula ratio of 85% ASO new business, MCRof 78.5% fully insured against plan
- MCRof 83%, and stop loss ratio of 96% for new business against plan of 100%
- Evaluated claim experience and analyzed total case profitability for commercial and dental cases
- Strategically collaborated with Sales and Account Management, and other matrix partners in a consultative capacity to provide recommendations related to market competition, customer negotiations, products and pricing
- Mentored new underwriters, and assisted in the training of the Presale Consultant team - Assisted the Compliance team, and was also in charge of updating any Compliance issues for the department
Underwriter
ConnectiCare
Farmington, CT
10.2009 - 12.2015
- Calculated fully insured and self-funded quotes and renewal rates for all case sizes for both community-rated and experienced rated accounts, while ensuring that established yield and membership targets are met
- Prepared employer reports and provided analysis for use in accessing level of risk and in consulting with clients (brokers and consultants) regarding benefits, product design, financial arrangements and general utilization trends
- Attended client presentation to respond to and answer underwriting/financial questions
- Supported sales department in a consultative capacity with regard to developing group medical pricing strategies, proposing alternative products, and negotiating prices with the customers and their consultants in a consultative capacity
Underwriter - Small Group
ConnectiCare
Farmington, CT
07.2008 - 10.2009
- Calculated fully insured quotes and renewal rates for all case sizes for both manually (CRC) rated and experience-rated accounts based on sound underwriting principals, while ensuring that the established yield and membership goals are met
- Conducted new health statement screenings, monthly claim reviews of renewing large claimants and CSEHRP (ConnecticutSmall Employer Health ReinsurancePool) individual premium calculation. Also effectively assessed the insurability of small employer groups and ceded subscribers/members/groups to the state reinsurance pool
- Supported review, acceptance or denial of new or renewal business after carefully reviewing all information.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
Plan Manager
Hartford Life Insurance
Windsor, CT
01.2006 - 07.2008
- Managed an assigned group of businesseswith assets totaling over $100 Million
- Also made recommendations for plan updates and automation enhancements
- Main point of contact for internal and external clients, working with members from the finance and investment departments, in addition to administrative staff of corporate plan clients, company presidents and brokers.
Education
MBA - International Business
University of Hartford
West Hartford, CT 01.2020 - 01.2022
Master of Science - Management
Albertus Magnus College
New Haven, CT 05.2006 - 05.2023
Bachelor of General Studies -
University of Connecticut
Storrs, CT 08.2002 - 05.2005
PHIAS- Professional, Health Insurance Advanced Studies -
AHIP
03.2014 - 05.2014
PAHM- Professional Academy For Healthcare Management -
AHIP
09.2008 - 11.2008
Skills
- Risk Mitigation
- Revenue Generation
- Quality Control
- Analyzing Data
- Profitability Optimization
- Portfolio Management
- Influencing Business Growth
- Risk Management
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
There is a powerful driving force inside every human being that, once unleashed, can make any vision, dream, or desire a reality.
Tony Robbins
Timeline
Agile Product Owner Advisor
Cigna Healthcare
09.2022 - Current
MBA - International Business
University of Hartford
01.2020 - 01.2022
Pharmacy Risk & Underwriting Advisor
Cigna Healthcare
05.2018 - 09.2022
UnderwriterSpecialist- Medical
Cigna Healthcare
01.2015 - 05.2018
PHIAS- Professional, Health Insurance Advanced Studies -
AHIP
03.2014 - 05.2014
Underwriter
ConnectiCare
10.2009 - 12.2015
PAHM- Professional Academy For Healthcare Management -
AHIP
09.2008 - 11.2008
Underwriter - Small Group
ConnectiCare
07.2008 - 10.2009
Master of Science - Management
Albertus Magnus College
05.2006 - 05.2023
Plan Manager
Hartford Life Insurance
01.2006 - 07.2008
Bachelor of General Studies -
University of Connecticut
08.2002 - 05.2005
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