Physician Advisor – (P2P) Medical Reviewer (1099 Contractor)

Clover Health

2d • $200,000 - $240,000 • Remote

About The Position

The Physician Advisor (1099 Contractor) is a licensed physician responsible for conducting clinical discussions with treating providers regarding utilization management determinations. The physician applies Medicare/CMS requirements, applicable medical necessity criteria, health plan policies, and clinical judgment to determine the appropriate level of care and/or medical necessity of requested services. The role supports timely, consistent, evidence-based utilization management while providing treating physicians an opportunity to discuss relevant clinical information before or following an adverse determination, as applicable.

Requirements

• MD or DO from an accredited medical school.
• Current, unrestricted U.S. medical license.
• Board certification in an appropriate clinical specialty; Internal Medicine, Family Medicine, Emergency Medicine, or another specialty with broad medical experience preferred.
• Minimum of 5 years of clinical practice experience preferred.
• Experience with utilization management, medical necessity review, physician advisory services, payer medical review, or hospital case management strongly preferred.
• Experience with Medicare Advantage and CMS medical necessity/coverage requirements preferred.
• Familiarity with MCG, InterQual, CMS coverage policies, and the Two-Midnight rule preferred.
• Strong physician-to-physician communication skills and the ability to manage difficult or disputed clinical discussions professionally.
• Excellent clinical judgment
• Medical necessity and level-of-care expertise
• Knowledge of Medicare/CMS requirements
• Clear and concise physician communication
• Timely decision-making
• Accurate clinical documentation
• Professional conflict resolution
• Excellent communications skills
• Consistent application of clinical criteria and policy
• Ability to distinguish clinical medical-necessity decisions from contractual or administrative issues

Responsibilities

• Conduct scheduled and ad hoc peer-to-peer discussions with treating physicians and other qualified providers regarding inpatient, outpatient, post-acute, and other authorization requests.
• Review the member's clinical documentation, utilization management review, applicable criteria, and rationale for the proposed or issued determination before the P2P discussion.
• Evaluate medical necessity and the appropriate level of care, including inpatient versus observation/outpatient status when applicable.
• Apply CMS Medicare Advantage requirements, the Two-Midnight benchmark, applicable NCDs/LCDs, MCG or other approved clinical criteria, and health plan policies as appropriate.
• Discuss the clinical rationale for determinations clearly, professionally, and collegially with treating providers.
• Consider additional clinical information presented during the P2P and determine whether it changes the medical necessity determination.
• Approve or overturn a proposed adverse determination when newly presented information supports coverage, within delegated authority and organizational policy.
• Escalate complex, high-risk, or unclear cases to the appropriate Medical Director or clinical leadership.
• Document P2P discussions accurately and contemporaneously, including the clinical information discussed, physician participants, outcome, and rationale.
• Complete P2P requests within established regulatory and organizational turnaround times.
• Identify recurring clinical, documentation, criteria, or provider-education opportunities and communicate trends to UM leadership.
• Collaborate with nurses, medical directors, appeals and grievances, provider engagement, and other operational teams as needed.
• Maintain confidentiality and comply with HIPAA, CMS, accreditation, and organizational requirements.
• Lead case review discussions on clinical JOCs

Benefits

• 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.

What This Job Offers

• Career Level: Senior
• Education Level: Ph.D. or professional degree