Julie Lin
Daly City,CA
Summary
Consummate professional with 20+ years of experience and expertise in Healthcare Professional Liability, D&O (Directors and Officers) including EPL (Employment Practices Liability), and Auto Liability underwriting. Strong statistical analysis, pricing, quoting and negotiating skills. Well versed in preparing insurance policies and terms to manage risk and mitigate loss.
Overview
25
25
years of professional experience
Work History
Underwriter
BETA Healthcare Group
Alamo, CA
10.2004 - 10.2022
- Underwrote renewals by reviewing premium history, claims history, and company financial conditions to determine action in book of business with $15M in premium. Retention renewal is at 95%.
- Used data analytics and pricing tools to price policies and identify actionable insights for customers.
- Gathered and analyzed risk and adhered to underwriting standards to drive risk selection and profitability.
- Worked with colleagues to review, accept or deny new and renewal business.
- Negotiated coverage, policy pricing and service delivery during meetings with customers, agents, or brokers.
- Developed and collaborated on design and implementation of new applications for physicians, nurse practitioners and physician assistants.
- Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
Supervisor, Central Unit
NORCAL Mutual Insurance Company
02.2002 - 09.2004
- Directed and coordinated business units on a day-to-day basis. Supervised three Underwriters and three Associate Underwriters under the team. Resolved customer complaints and adjusted policies to meet changing needs.
- Established and enforced clear goals to keep employees working collaboratively.
- Provided ongoing training to address staff needs.
- Identified and corrected performance and personnel issues to reduce impact to business operations.
- Key player in team-driven efforts for Plans and Programs for Underwriting Department for year 1999-2000.
Reimbursement Specialist
Genentech
South San Francisco, CA
11.2000 - 02.2002
- Followed up with insurance carriers to address and rectify denied claims for patients and medical providers.
- Researched rejections, investigating problems to appeal claims and resubmitting claims on behalf of patients and medical providers.
- Determined medical necessity, using individual insurance carrier regulations.
- Verified technical reimbursement questions for providers, billing and coding staff.
- Educated physicians, staff, patients and stakeholders on service documentation for procedures and approval requirements.
- Drafted documents based on payer guidelines and submitted to necessary parties for review and contract approval.
- Identified opportunities for coverage access to address reimbursement barriers.
Underwriter II
NORCAL Mutual Insurance Company
San Francisco, CA
08.1997 - 11.2000
- Promoted to oversee and maintain accounts in the Los Angeles, Orange, San Mateo, San Jose and Santa Cruz territories consisting of insured individuals and group physicians with the book of business amounting to thousands of dollars.
- Worked closely with different IPAs and physician groups in the San Mateo, San Jose and Santa Cruz area to educate policyholders and physicians in understanding the terms and conditions of their coverage.
- Applied rating to encourage safe, profitable distribution of risks.
- Determined level of acceptable risk by reviewing applications for coverage and loss control reports.
- Approached customers and engaged in conversation through use of effective interpersonal and people skills.
- Participated in company wide initiative to improve customer service by implementing an ACD triage.
- Key player in team-driven efforts for Plans and Programs for Underwriting Department for year 1999 and 2000.
Education
Master of Arts - Health Services Administration
Saint Mary's College of California
Moraga, CA06.1999
Bachelor of Accountancy - Accounting And Business Management
Polytechnic University of The Phils
Manila, Philippines04.1988
Skills
- Quoting and Pricing Policies
- Loss Prevention and Risk Mitigation
- Analyzing Underwriting Data using critical methodologies
- Negotiation Proficiency
- Reviewing complex contracts and amendments
- Profitability Optimization
Timeline
Underwriter
BETA Healthcare Group
10.2004 - 10.2022
Supervisor, Central Unit
NORCAL Mutual Insurance Company
02.2002 - 09.2004
Reimbursement Specialist
Genentech
11.2000 - 02.2002
Underwriter II
NORCAL Mutual Insurance Company
08.1997 - 11.2000
Master of Arts - Health Services Administration
Saint Mary's College of California
Bachelor of Accountancy - Accounting And Business Management
Polytechnic University of The Phils
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