CareFirst Careers

Sr Contract Specialist

Resp & Qualifications

Ensures high levels of customer satisfaction and legal compliance; achieved by ensuring master templates needed for the generation of all health insurance contracts, benefit guides and other supportive forms are compliant, accurate and complete according to Departmental models and guidelines so that Department and Company performance goals may be met or exceeded.  The Senior Contract Specialist is accountable for: 

1) writing and filing all health insurance contract and related forms (Member Applications, Group Applications, Stop Loss Contracts, etc.) with all Insurance Administrations and other regulators as appropriate,  2) updating and/or installing into a production environment all newly approved forms and documents,  3) writing and/or auditing account specific risk and ASO benefit contracts as needed, and  4) keeping current with laws and regulations governing health insurance contract and products.

The Senior Contract Specialist is responsible for knowing external requirements including BCBSA guidelines (including, but not limited to NMIS/MTM,NAPR, Service Mark, and BlueCard), federal and state mandates, National Account (NASCO) requirements, as well as account contractual requirements, including performance standards.

The Senior Contract Specialist is responsible for working closely with the Legal Department to ensure contract form compliance, and with Marketing and other Implementer in providing input to Company and Departmental goals and projects, and evaluating procedures and processes, to recommend and implement improvements to the way we do business.

Principal Accountabilities:
Under the direction of the Manager of Contracting and Compliance:

  • Writes group and individual, indemnity and HMO, contracts and certificates for risk and self-insured accounts (ASO Administrative Services Agreements, other amendments, etc., e.g. Shared Processing, etc.).  Files all forms with the respective Insurance Administrations and responds to comments and disapprovals.  Files all forms with other appropriate regulatory agencies (CMS, DOL, Maryland DHMH, BCBSA, etc.) as appropriate also to ensure legal compliance of forms as known.
  • Responds to Insurance Administration inquiries; completes Insurance Administration surveys as needed and assigned.  Responds to Central Appeals Unit, Executive Inquiry, Corporate Audit and other department inquiries that are of an ‘elevated’ status.
  • Formats and writes documents in defined Departmental form and style.
  • Consults with the Legal Staff, Government Affairs and other departments as necessary.  Researches appropriate local and federal code and regulations via internet and other Department resources.
  • Implements newly ‘approved’ forms master templates into a production environment; produces all production forms; writes and maintains implementation documentation, and provides detailed implementation instructions.
  • Maintains current project files and master logs of forms (example:  Corporate Log, Master Document Listings, etc.).
  • Audits Contracts and other special documents to ensure accuracy and resolves issues with necessary departments.  Participates/leads in Company initiative implementation and Operations meetings and other meetings that affect contracts and certificates such as the Legislative Review Committee and Team Implementation Meetings; participates in the implementation of other Company initiatives and projects.  Audits Account Installation master documents and procedures for compliance.
  • Represents the Department and Company in Insurance Administration Market Conduct Studies and other audits; responds appropriately.
  • Meets and/or communicates directly with accounts and/or their legal staff as needed (assists Sales and Underwriting in this regard); performs other duties as requested.
  • Clarifies and ensures consistency of contract benefits with respective system benefit coders (CARE, NASCO, FACETS); provides review sign-off as needed.
  • Interprets benefit issues, provides contract interpretations; resolves complex issues and benefit interpretations with the Legal staff, Health Care Policy, etc. as necessary.
  • Reviews, interprets and responds to account specific RFPs, RFIs, and other requests (nonstandard type) and writes and files with regulators, group account specific contracts and certificate language as needed.  Produces and implements account specific production forms for customized benefits.
  • Reviews Corporate Communications promotional literature, internal documents, ecommerce documents and training materials to ensure contract integrity.
  • Analyzes proposed product designs and changes to product designs and provides input to the work groups and Marketing and Product Development that define same.
  • Effectively communicates contractual changes to all affected internal personnel that result from medical policy/legislative/marketing product design changes; track/log accordingly inquiries and projects.

Supervisory Responsibilities:
None (However, accountable for training new Senior Contract Specialists, and providing informal training, guidance and assistance to Contract Specialists and other Company Associates.)

Scope Data:
This position provides critical support to the Company as it provides the source information and documentation for all benefit administration decisions for all products marketed by CareFirst (excluding BCBSDE).  The Contracting and Compliance Department is the ‘source’ for much of the information that CareFirst relies upon to accurately and effectively implement and administer its health insurance product portfolio.  The base ‘product’ of the Company – health insurance – cannot be delivered without this responsibility.  Insured contracts cannot be issued to customers until written, filed and approved with appropriate regulators.  Without approved contracts, the Company cannot sell its products.

Additionally, there is significant responsibility and accountability with implementing templates (the approved forms).  Without accurate and compliant production documents, contracts and benefit guides produced for our customers would not reflect what was purchased.

There is significant responsibility as there is regular contact with Insurance Regulators; the Senior Contract Specialist is representing the Company.  Further it is the responsibility of the Senior Contract Specialist to ensure that appropriate contract filings occur as mandates and other legislation is effective to ensure compliance of all contract forms.

Compliant forms, consistent with advertising, coded claims processing systems, internal training and other materials, provides for a positive public Company image and assists the Company with avoiding fines, appeals, and legal actions.

Qualification Requirements:

• 4+ years of Health insurance benefit/product knowledge (indemnity and/or HMO) and benefit delivery systems, or extensive (technical or contract) writing experience
• Bachelor’s Degree, or equivalent work experience in a related field demonstrating knowledge of relevant functional areas such as: contract law, operations/service and claims, medical delivery, health insurance, health insurance product contract writing
• demonstrated knowledge of local jurisdictional (service area) and federal laws and regulations that govern the health insurance industry
• the ability to manage multiple priorities simultaneously; project management
• travel to multiple sites (minimal) as projects dictate

• Proven judgment and decision-making ability; must be able to make and carry out a broad range of decisions while remaining consistent with Company and regulatory guidelines
• Superior verbal and written communication skills; excellent reading comprehension (ability to read, understand and apply laws, codes and regulations to projects, the Company product portfolio and the business environment); above average attention to detail
• Evaluate demands on time and resources effectively; establish appropriate priorities; manage multiple priorities and respond appropriately to unplanned events
• Presentation skills to be able to represent the Department persuasively and articulately in meetings with other Company departments, regulatory/insurance agencies and external clients and partners
• Flexibility with superior negotiation skills; ability to build towards consensus with a broad range of individuals and Company departments
• Superior organizational and follow-up skills
• Average to above average ability with Microsoft Office; ability to navigate the internet to locate local and federal codes and regulations used as resources

• Juris Doctorate (J.D.), with four 4+ years extensive writing experience
• Attorney; degree in Law, Health Care Administration, or related field; Paralegal.



Department: Benefit Contract Management 

Equal Employment Opportunity

CareFirst BlueCross BlueShield is an Equal Opportunity (EEO) employer.  It is the policy of the Company to provide equal employment opportunities to all qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, protected veteran or disabled status, or genetic information.

Hire Range Disclaimer

Actual salary will be based on relevant job experience and work history.

Where To Apply

Please visit our website to apply:

Closing Date

Please apply before: 6/13/2020

Federal Disc/Physical Demand

Note:  The incumbent is required to immediately disclose any debarment, exclusion, or other event that makes him/her ineligible to perform work directly or indirectly on Federal health care programs.


The associate is primarily seated while performing the duties of the position.  Occasional walking or standing is required.  The hands are regularly used to write, type, key and handle or feel small controls and objects.  The associate must frequently talk and hear.  Weights up to 25 pounds are occasionally lifted.

Sponsorship in US

Must be eligible to work in the U.S. without Sponsorship

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