Insurance OPT Jobs in West Virginia
Insurance F-1 OPT sponsorship jobs in West Virginia are concentrated in Charleston, Huntington, and Morgantown, where regional carriers and national firms like Erie Indemnity and State Auto maintain operations. Actuarial, underwriting, and data analytics roles offer the strongest OPT eligibility. West Virginia's growing insurance sector provides practical training opportunities aligned with STEM and business OPT requirements.
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Get Access To All JobsWe’re building a world of health around every individual — shaping a more connected, convenient and compassionate health experience. At CVS Health®, you’ll be surrounded by passionate colleagues who care deeply, innovate with purpose, hold ourselves accountable and prioritize safety and quality in everything we do. Join us and be part of something bigger – helping to simplify health care one person, one family and one community at a time.
Position Summary
Review, research, and adjust complex Reinsurance/Stoploss medical claims, splitting claims into multiple claim statuses; adjudicates high-dollar complex, sensitive, and/or specialized medical claims in accordance with claim processing guidelines. Collaborate and partner with key business functions to ensure accuracy in Reinsurance/Stoploss medical claim adjustments, problem-solve, and reconcile rework discrepancies. Handle customer inquiries and concerns.
- Perform Reinsurance/Stoploss medical claim adjustments across all dollar amount level on customer service platforms by using technical and claims processing expertise.
- Applies medical necessity guidelines, determine coverage, complete eligibility verification, identify discrepancies, and apply all cost containment measures to assist in the Reinsurance/Stoploss claim adjudication process.
- Performs Reinsurance/Stoploss medical claim re-work calculations.
- Research and determine Reinsurance/Stoploss plan year, identify claim payments made by client versus the Stoploss carriers, and interpret complex plan language to ensure accurate handling of complex adjustments.
- Follow through completion of Reinsurance/Stoploss medical claim overpayments, underpayments, and any other irregularities.
- Review and interpret medical contract language using provider contracts to confirm whether a Reinsurance/Stoploss claim is overpaid to allocate refund checks.
- Partner with key business functions to ensure accuracy in pricing, payment, and handling of complex Reinsurance/Stoploss claim adjustments.
- Review and handle relevant correspondences assigned to the team that may result in adjustment to Reinsurance/Stoploss medical claims.
- Handle telephone and written inquiries related to requests for pre-approvals/pre-authorizations, reconsiderations, or appeals.
- Ensures all compliance requirements are satisfied and that all payments are made following company practices and procedures.
- Manage external correspondence assigned to the Adjustments department; research, triage, and perform required actions, including adjustments to medical claims.
- May deliver Reinsurance/Stoploss claims adjustment training and/or serve as a mentor for less experienced team members.
- May provide job shadowing to lesser experience staff.
Utilize all resource materials to manage job responsibilities.
Required Qualifications
- 2+ years medical claim processing experience.
- 2+ experience in a production environment.
Preferred Qualifications
- 2+ years processing medical claims adjustments/rework.
- DG system claims processing experience.
- Familiarity with Reinsurance/Stop loss medical claims.
- Demonstrated ability to handle multiple assignments competently, accurately, and efficiently.
Effective communications, organizational, and interpersonal skills.
Education
- Associate degree or equivalent experience.
Anticipated Weekly Hours
40
Time Type
Full time
Pay Range
The typical pay range for this role is:
$18.50 - $42.35
This pay range represents the base hourly rate or base annual full-time salary for all positions in the job grade within which this position falls. The actual base salary offer will depend on a variety of factors including experience, education, geography and other relevant factors. This position is eligible for a CVS Health bonus, commission or short-term incentive program in addition to the base pay range listed above.
Our people fuel our future. Our teams reflect the customers, patients, members and communities we serve and we are committed to fostering a workplace where every colleague feels valued and that they belong.
Great benefits for great people
We take pride in offering a comprehensive and competitive mix of pay and benefits that reflects our commitment to our colleagues and their families.
This full‑time position is eligible for a comprehensive benefits package designed to support the physical, emotional, and financial well‑being of colleagues and their families. The benefits for this position include medical, dental, and vision coverage, paid time off, retirement savings options, wellness programs, and other resources, based on eligibility.
Additional details about available benefits are provided during the application process and on Benefits Moments.
We anticipate the application window for this opening will close on: 11/06/2026
Qualified applicants with arrest or conviction records will be considered for employment in accordance with all federal, state and local laws.
We’re building a world of health around every individual — shaping a more connected, convenient and compassionate health experience. At CVS Health®, you’ll be surrounded by passionate colleagues who care deeply, innovate with purpose, hold ourselves accountable and prioritize safety and quality in everything we do. Join us and be part of something bigger – helping to simplify health care one person, one family and one community at a time.
Position Summary
Review, research, and adjust complex Reinsurance/Stoploss medical claims, splitting claims into multiple claim statuses; adjudicates high-dollar complex, sensitive, and/or specialized medical claims in accordance with claim processing guidelines. Collaborate and partner with key business functions to ensure accuracy in Reinsurance/Stoploss medical claim adjustments, problem-solve, and reconcile rework discrepancies. Handle customer inquiries and concerns.
- Perform Reinsurance/Stoploss medical claim adjustments across all dollar amount level on customer service platforms by using technical and claims processing expertise.
- Applies medical necessity guidelines, determine coverage, complete eligibility verification, identify discrepancies, and apply all cost containment measures to assist in the Reinsurance/Stoploss claim adjudication process.
- Performs Reinsurance/Stoploss medical claim re-work calculations.
- Research and determine Reinsurance/Stoploss plan year, identify claim payments made by client versus the Stoploss carriers, and interpret complex plan language to ensure accurate handling of complex adjustments.
- Follow through completion of Reinsurance/Stoploss medical claim overpayments, underpayments, and any other irregularities.
- Review and interpret medical contract language using provider contracts to confirm whether a Reinsurance/Stoploss claim is overpaid to allocate refund checks.
- Partner with key business functions to ensure accuracy in pricing, payment, and handling of complex Reinsurance/Stoploss claim adjustments.
- Review and handle relevant correspondences assigned to the team that may result in adjustment to Reinsurance/Stoploss medical claims.
- Handle telephone and written inquiries related to requests for pre-approvals/pre-authorizations, reconsiderations, or appeals.
- Ensures all compliance requirements are satisfied and that all payments are made following company practices and procedures.
- Manage external correspondence assigned to the Adjustments department; research, triage, and perform required actions, including adjustments to medical claims.
- May deliver Reinsurance/Stoploss claims adjustment training and/or serve as a mentor for less experienced team members.
- May provide job shadowing to lesser experience staff.
Utilize all resource materials to manage job responsibilities.
Required Qualifications
- 2+ years medical claim processing experience.
- 2+ experience in a production environment.
Preferred Qualifications
- 2+ years processing medical claims adjustments/rework.
- DG system claims processing experience.
- Familiarity with Reinsurance/Stop loss medical claims.
- Demonstrated ability to handle multiple assignments competently, accurately, and efficiently.
Effective communications, organizational, and interpersonal skills.
Education
- Associate degree or equivalent experience.
Anticipated Weekly Hours
40
Time Type
Full time
Pay Range
The typical pay range for this role is:
$18.50 - $42.35
This pay range represents the base hourly rate or base annual full-time salary for all positions in the job grade within which this position falls. The actual base salary offer will depend on a variety of factors including experience, education, geography and other relevant factors. This position is eligible for a CVS Health bonus, commission or short-term incentive program in addition to the base pay range listed above.
Our people fuel our future. Our teams reflect the customers, patients, members and communities we serve and we are committed to fostering a workplace where every colleague feels valued and that they belong.
Great benefits for great people
We take pride in offering a comprehensive and competitive mix of pay and benefits that reflects our commitment to our colleagues and their families.
This full‑time position is eligible for a comprehensive benefits package designed to support the physical, emotional, and financial well‑being of colleagues and their families. The benefits for this position include medical, dental, and vision coverage, paid time off, retirement savings options, wellness programs, and other resources, based on eligibility.
Additional details about available benefits are provided during the application process and on Benefits Moments.
We anticipate the application window for this opening will close on: 11/06/2026
Qualified applicants with arrest or conviction records will be considered for employment in accordance with all federal, state and local laws.
OPT Insurance Job Roles in West Virginia
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Search Insurance Jobs in West VirginiaInsurance OPT Sponsorship Jobs in West Virginia: Frequently Asked Questions
Which insurance companies sponsor F-1 OPT visas in West Virginia?
Regional carriers with West Virginia operations, including Erie Indemnity, Nationwide, and State Farm, have historically hired OPT candidates for analytical and technical roles. Smaller regional insurers and third-party administrators in Charleston also participate in OPT hiring, particularly for actuarial science, data analysis, and risk assessment positions. Sponsorship availability varies by role, office, and hiring cycle, so confirming directly with each employer is essential.
Which cities in West Virginia have the most insurance F-1 OPT sponsorship jobs?
Charleston is the primary hub for insurance employment in West Virginia, home to the state's largest concentration of insurance carriers, brokerages, and regulatory offices. Huntington and Morgantown also have notable hiring activity, partly driven by proximity to Marshall University and West Virginia University, which produce graduates in business, mathematics, and actuarial science that insurance employers actively recruit.
What types of insurance roles typically qualify for F-1 OPT sponsorship?
Roles requiring a bachelor's degree or higher in a directly related field are the strongest fit for F-1 OPT. In insurance, this includes actuarial analyst, data analyst, underwriting analyst, risk analyst, and claims analyst positions. Roles in insurance technology and compliance also commonly qualify. Positions that are primarily sales-focused without a degree requirement in a specific field are less likely to support standard OPT authorization.
How do I find insurance F-1 OPT sponsorship jobs in West Virginia?
Migrate Mate is built specifically for international students and filters jobs by visa type, including F-1 OPT, so you can browse insurance roles in West Virginia without sifting through listings that don't sponsor. Searching by industry and state on Migrate Mate surfaces employers who have actively hired OPT candidates, which significantly narrows your focus compared to general job searching. Combining that with direct outreach to West Virginia-based carriers improves your chances further.
Are there any West Virginia-specific considerations for F-1 OPT in the insurance industry?
West Virginia's insurance market is heavily influenced by the state's regulatory environment and its concentration in health and property insurance tied to the energy and coal sectors. OPT students in actuarial or data roles may find niche opportunities with insurers that specialize in workers' compensation and occupational health coverage unique to the region. Because the talent pool in West Virginia is smaller than in coastal markets, well-qualified OPT candidates can stand out more readily to local employers.