Medical Director, Payment Integrity & Utilization Management

At Clover Health, we are committed to providing high-quality, affordable, and easy-to-understand healthcare plans for America’s seniors. We prioritize preventive care while leveraging data and technology through the Clover Assistant, a powerful tool that helps physicians make informed health recommendations. By giving doctors a holistic view of each member’s complete health history, we ensure better care at a lower cost—delivering the highest value to those who need it most.

Clover is reinventing health insurance by working to keep people healthier. We are a Medicare Advantage plan working to develop deeper insights to drive better outcomes for our members through our integrated technology platform. We rely on our abilities to integrate standard health plan data with clinical information from provider health information systems. The Medical Management team is at the center of this work, ensuring our members receive high-quality, appropriate care.

We are looking for an extremely detail-oriented Medical Director with a strong background in Payment Integrity (PI) and Utilization Management (UM). This is a full-time, hands-on role for someone who thrives "in the weeds" and enjoys the challenge of deep medical record review. You will be responsible for using your discerning clinical judgment to ensure medical necessity, appropriate utilization, and payment accuracy. This position reports to the Chief Medical Officer, Medicare Advantage (CMO).

As a Medical Director, Payment Integrity & Utilization Management, you will:

• Perform detailed, medical record reviews (e.g., 30-day readmissions) to ensure documentation supports the services rendered and aligns with medical necessity guidelines.
• Apply your clinical expertise to review and validate clinical decision-making by vendors and providers to ensure proper reimbursement for services provided.
• Coach and train other clinical decision-makers, helping them improve the proper selection and application of medical necessity guidelines.
• Leverage your expertise in peer review committees to support and contribute to quality improvement teams and initiatives.
• Serve as the key clinical leader for cost containment initiatives, collaborating with data analytics, claims, and FWA departments to investigate and act on aberrant trends.
• Champion initiatives to reduce unnecessary hospital days, avoidable ER visits, and inappropriate high-cost drug utilization.
• Collaborate with providers through periodic case reviews to ensure consistent and standardized decision-making.
• Please note: This role is focused on clinical case review and does not require after-hour calls, holidays, or weekends.

Success in this role looks like:

• By 90 Days: You have onboarded and familiarized yourself with company policies, workflows, and the specific PI/UM review processes. You've begun building rapport with the Medical Management team and key stakeholders. You are participating in case reviews with oversight, demonstrating your meticulous attention to detail and learning the technical tools.
• By 6 Months: You are autonomously managing a significant volume of complex case reviews, making independent clinical decisions aligned with company guidelines and medical standards. You are identifying opportunities for process improvements in the PI and UM review process and are actively collaborating with the interdisciplinary team.
• Ongoing: You are recognized as a subject-matter expert in Payment Integrity and medical necessity review, handling the most complex or high-stakes cases with high accuracy. You are playing a key role in shaping review strategies and guidelines and driving continuous improvement in our quality assurance processes.

You should get in touch if:

• You are an MD or DO with a valid, unrestricted license to practice medicine in a US State.
• You are Board Certified, preferably in Internal Medicine, Family Medicine, or Emergency Medicine.
• You have at least 5 years of clinical experience, including inpatient experience.
• You have strong experience in Payment Integrity and Utilization Management/Review and a solid understanding of Medicare Advantage.
• You have experience or expertise with peer review committees.
• You are extremely detail-oriented and meticulous, and you genuinely enjoy digging into medical records to find the "needle in the haystack".
• You possess discerning clinical judgment and an investigative, problem-solving mindset.
• You thrive in collaborative, cross-functional settings and have strong proficiency with technology.

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Benefits Overview:

• Financial Well-Being: Our commitment to attracting and retaining top talent begins with a competitive base salary and equity opportunities. Additionally, we offer a performance-based bonus program, 401k matching, and regular compensation reviews to recognize and reward exceptional contributions.
• Physical Well-Being: We prioritize the health and well-being of our employees and their families by providing comprehensive medical, dental, and vision coverage. Your health matters to us, and we invest in ensuring you have access to quality healthcare.
• Mental Well-Being: We understand the importance of mental health in fostering productivity and maintaining work-life balance. To support this, we offer initiatives such as No-Meeting Fridays, monthly company holidays, access to mental health resources, and a generous flexible time-off policy. Additionally, we embrace a remote-first culture that supports collaboration and flexibility, allowing our team members to thrive from any location.
• Professional Development: Developing internal talent is a priority for Clover. We offer learning programs, mentorship, professional development funding, and regular performance feedback and reviews.

Additional Perks:

• Employee Stock Purchase Plan (ESPP) offering discounted equity opportunities
• Reimbursement for office setup expenses
• Monthly cell phone & internet stipend
• Remote-first culture, enabling collaboration with global teams
• Paid parental leave for all new parents
• And much more!

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About Clover: We are reinventing health insurance by combining the power of data with human empathy to keep our members healthier. We believe the healthcare system is broken, so we've created custom software and analytics to empower our clinical staff to intervene and provide personalized care to the people who need it most.

We always put our members first, and our success as a team is measured by the quality of life of the people we serve. Those who work at Clover are passionate and mission-driven individuals with diverse areas of expertise, working together to solve the most complicated problem in the world: healthcare.

From Clover’s inception, Diversity & Inclusion have always been key to our success. We are an Equal Opportunity Employer and our employees are people with different strengths, experiences, perspectives, opinions, and backgrounds, who share a passion for improving people's lives. Diversity not only includes race and gender identity, but also age, disability status, veteran status, sexual orientation, religion and many other parts of one’s identity. All of our employee’s points of view are key to our success, and inclusion is everyone's responsibility.

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Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records. We are an E-Verify company.

A reasonable estimate of the base salary range for this role is $270,000 to $330,000. Final pay is based on several factors including but not limited to internal equity, market data, and the applicant’s education, work experience, certifications, etc.

#LI-Remote

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