Jami Miracola
Oconomowoc
Summary
Hardworking Life Underwriter with over 20 years of experience in the insurance industry.
Experienced with assessing medical risk, evaluating insurance applications, utilizing analytical skills to review any digital health data tools and industry knowledge to make informed underwriting decisions.
Overview
28
28
years of professional experience
1
1
Certification
Work History
Senior Life Underwriter
Northwestern Mutual Life Insurance
07.2018 - 05.2025
- Evaluated insurance applications to assess risk and determine coverage eligibility.
- Collaborated with agents to gather necessary documentation for underwriting decisions.
- Analyzed financial statements and credit reports to ensure accuracy in risk assessment.
- Developed guidelines for evaluating high-risk applicants, enhancing decision-making processes.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Made approval and denial recommendations by determining accurate risk levels.
- Conducted regular audits of underwriting files to ensure accuracy, compliance, and consistency in decision-making processes.
- Maintained strong relationships with third-party vendors involved in the application process, ensuring smooth transactions for all parties involved.
- Reduced underwriting cycle times, prioritizing urgent applications and employing effective time management strategies.
Billing and Collection Specialist
Joints in Motion Medical
01.2016 - 06.2018
- Patient billing and collections. Enter and confirm DME orders. Prepare billing statements and claim forms. Review and process appeal letters and denial of payments and resubmit claims. Communicate with patients, sales representatives, and insurance companies to determine status of a claim. Work in team environment.
Pharmacy Technician
Walgreens Pharmacy
12.2015 - 02.2017
- Processed prescription pickups/drop offs. Input/review patient info, insurance info, prescription info on Walgreens system. Review drug info and prices. Filling prescriptions for pharmacist to review. Contact doctor offices, insurance companies and patients. Answer phone calls. Take care of patients in drive thru and at the pharmacy counter. Manage the register to buy prescriptions and handle cash and/or credit card.
Insurance Agent
United Insurance
10.2014 - 04.2015
- Offer variety of insurance products to new and existing customers. Provide excellent customer service to existing customers.
Health Underwriter - Remote
EMSI
10.2012 - 10.2013
- Reviewed health applications, medical records and pharmacy claims to assess health risk for health insurance.
Health Underwriter
Assurant Health
07.1997 - 12.2009
- Reviewed applications and assessed the risk of Individual Medical Insurance policies. Reviewed prior claims history, MIB reports, pharmacy claims, conducted phone interviews, ordered (and reviewed) medical records and/or paramedical exams. Adhered to underwriting guidelines and state mandates. Trained and audited new team members. Completed multiple projects.
Education
B.S. - Health Information Administration
University of WI - Milwaukee
05.1997
Skills
- Supportive team participant
- Effective multitasking abilities
- Medical risk assessment
- Analytical decision-making
- Effective time management
- Strong verbal and non-verbal communication
- Analytical problem-solving
- Detail-oriented approach
- Data-driven decision making
- Risk evaluation
- Risk assessment guidelines
- Data analysis
Certification
- Life and Health Insurance License May 2014 - October 2016
- Registered Health Information Administrator Certification May 1997 - October 1999
Timeline
Senior Life Underwriter
Northwestern Mutual Life Insurance
07.2018 - 05.2025
Billing and Collection Specialist
Joints in Motion Medical
01.2016 - 06.2018
Pharmacy Technician
Walgreens Pharmacy
12.2015 - 02.2017
Insurance Agent
United Insurance
10.2014 - 04.2015
Health Underwriter - Remote
EMSI
10.2012 - 10.2013
Health Underwriter
Assurant Health
07.1997 - 12.2009
B.S. - Health Information Administration
University of WI - Milwaukee
Similar Profiles
Meergul SatymbaevaMeergul Satymbaeva
Test Engineer at Northwestern Mutual Life InsuranceTest Engineer at Northwestern Mutual Life Insurance
Valerie RodriguezValerie Rodriguez
Risk Client Services at Northwestern Mutual Life InsuranceRisk Client Services at Northwestern Mutual Life Insurance
Linda JohnsonLinda Johnson
Insurance Document Associate at Northwestern Mutual Life InsuranceInsurance Document Associate at Northwestern Mutual Life Insurance
Steven PlantzSteven Plantz
Steel Press Operator at K and S Tool and DieSteel Press Operator at K and S Tool and Die
Alexander CirilloAlexander Cirillo
Merchandiser/Sales Associate at Capitol-Husting CoMerchandiser/Sales Associate at Capitol-Husting Co