Medical Director

Job Description At Allstate, great things happen when our people work together to protect families and their belongings from life’s uncertainties. And for more than 90 years, our innovative drive has kept us a step ahead of our customers’ evolving needs. From advocating for seat belts, air bags and graduated driving laws, to being an industry leader in pricing sophistication, telematics, and, more recently, device and identity protection. This role is part of Allstate's Health Solutions business and supports clinical decision-making across health insurance products and medical management programs. The Medical Director is a highly experienced physician responsible for providing clinical expertise, oversight, and strategic guidance across medical management functions within Allstate's Health Solutions organization. This role supports complex clinical decision-making, including appeals, rescissions, grievance reviews, and Department of Insurance (DOI) complaints, while partnering closely with legal, product, underwriting, actuarial, and operational teams. In addition, this role contributes to advancing innovation within Medical Management, including supporting the adoption of artificial intelligence (AI) and process improvements to enhance the efficiency, accuracy, and scalability of misrepresentation and clinical review processes. The position proactively partners with cross-functional teams to drive initiatives forward and maintain alignment on priorities, timelines, and expected outcomes. As a Director, you won’t just deliver results – you drive our culture and shared purpose. You can work remotely and will commute to a nearby office and/or travel for meaningful connection opportunities. Key Responsibilities Provides clinical oversight and governance for the medical review program, including appeals, rescission, and grievance panel processes. Conducts comprehensive clinical reviews for first- and second-level appeals, including Department of Insurance (DOI) complaints. Evaluates complex medical cases to ensure consistency with policy provisions, clinical guidelines, and regulatory requirements. Provides expert clinical judgment in high-risk or sensitive determinations. Provides independent clinical judgment in support of coverage determinations, free from claims or financial influence. Supports alignment and consistency across appeal outcomes and internal review processes. Leads clinical evaluation and decision-making for rescission cases and member grievances. Ensures appropriate application of underwriting intent and policy interpretation in misrepresentation reviews. Partners with legal and compliance teams on escalated cases, regulatory matters, litigation support, and interpretation of state and federal requirements impacting clinical review activities. Documents clinical rationale supporting determinations in a manner suitable for regulatory review, audits, and litigation. Identifies opportunities to improve upstream underwriting and risk selection practices. Supports quality assurance and consistency of Third-Party Administrator (TPA) decision-making. Partners with product management and actuarial teams to inform product design and risk selection strategies. Identifies trends and provides clinical insight on emerging risks, market trends, and competitive positioning within the health insurance industry. Contributes to and helps advance initiatives that integrate AI and automation into medical review workflows. Proactively identifies opportunities to streamline processes and improve operational efficiency. Partners with stakeholders to maintain alignment on priorities, timelines, and expected outcomes. Serves as a clinical subject matter expert and trusted advisor to internal business partners on medical management and policy-related matters. Supervisory Responsibilities This job has supervisory duties. Education and Experience Doctor of Medicine (MD) or Doctor of Osteopathic Medicine (DO) from an accredited institution (Required). 5+ years of direct clinical experience post residency or fellowship (Required). Demonstrated experience applying clinical judgment in complex medical, regulatory, or insurance-related environments (Required) Proficiency with Microsoft Word, PowerPoint, Excel, and other business applications (Required). Experience within health insurance, managed care, health plan, payer, or medical management organization, including the ability to perform peer-level review of medical necessity, pre-existing condition, and coverage determinations (Preferred). Experience supporting appeals, grievances, utilization management, rescissions, or other health plan clinical review functions (Preferred). Experience partnering with legal, compliance, underwriting, product, actuarial, and operational teams (Preferred). Experience leading clinical process improvements, quality initiatives, or technology-enabled transformation efforts (Preferred). Significant experience working within a health insurance, managed care, payer, or health plan environment, including medical management, appeals, grievances, utilization management, or related clinical review functions (Preferred). Serves as a trusted clinical advisor to executive leadership, providing medical perspectives that inform strategic business decisions, risk management activities, and product development initiatives (Preferred). Strong understanding of health insurance products, policy interpretation, risk selection, and medical management practices (Preferred). Certifications, Licenses, and Registrations Active, unrestricted license to practice medicine in the United States is required. Candidates must be in good standing and eligible to practice medicine without restrictions, disciplinary actions, or limitations. Current Board Certification in an American Board of Medical Specialties (ABMS) recognized specialty is required. Candidates who are board eligible but not board certified will not be considered. Board Certification must be maintained throughout employment. Candidates must have completed an ACGME-accredited residency program and any applicable fellowship training associated with their specialty. Clinical training, licensure, and professional experience must have been obtained primarily within the United States healthcare system. Preference will be given to physicians with experience applying their clinical expertise within health insurance, managed care, utilization management, appeals and grievances, or medical director functions. Functional Skills and Capabilities Executive Communication: Exceptional communication skills with the ability to craft and deliver clear, compelling, and executive ready messages. Adept at tailoring content to diverse audiences, simplifying complex concepts, and presenting confidently to senior leadership, stakeholders, and cross-functional partners Change Leadership: Proven ability to lead large, multi-location teams through significant change, including business transformations, systems implementations, and organizational integrations. Organizational Agility & Navigation: Effectively navigates complex organizational structures, building strong cross-functional relationships and influencing across multiple layers. Demonstrates the ability to operate with clarity and confidence in matrixed environments, ensuring alignment and progress amid complexity. Influence: Ability to influence and collaborate effectively across cross-functional teams and leadership levels. People Leadership & Talent Development: Track record of building, developing, and leading high performing organizations; establishes clear decision rights, accountability, and operating cadence while developing future leaders and succession pipelines. Technical & Analytical Skills: Ability to quickly master and apply a broad range of analytical tools, data sources, and software applications Technology, AI & modernization judgment: Assessing where AI and automation meaningfully improve efficiency and outcomes, and where they introduce risk, while guiding responsible, governed adoption. Skills: Clinical Decision Support (CDS), Clinical Review, Evaluating New Technologies, Executive Communications, Executive Influence, Insurance, Medical Management, Microsoft Office, People Leadership, Stakeholder Management Compensation Compensation offered for this role is 167,500.00 - 229,750.00 annually and is based on experience and qualifications. The candidate(s) offered this position will be required to submit to a background investigation. You can work remotely and will commute to a nearby office and/or travel for meaningful connection opportunities. Allstate generally does not sponsor individuals for employment-based visas for this position. Effective July 1, 2014, under Indiana House Enrolled Act (HEA) 1242, it is against public policy of the State of Indiana and a discriminatory practice for an employer to discriminate against a prospective employee on the basis of status as a veteran by refusing to employ an applicant on the basis that they are a veteran of the armed forces of the United States, a member of the Indiana National Guard or a reserve component. For jobs in San Francisco, please click "here" for information regarding the San Francisco Fair Chance Ordinance. For jobs in Los Angeles, please click "here" for information regarding the Los Angeles Fair Chance Initiative for Hiring Ordinance. To view the "EEO Know Your Rights" poster click "here". This poster provides information concerning the laws and procedures for filing complaints of violations of the laws with the Office of Federal Contract Compliance Programs. To view the FMLA poster, click "here". This poster summarizing the major provisions of the Family and Medical Leave Act (FMLA) and telling employees how to file a complaint. It is the Company’s policy to employ the best qualified individuals available for all jobs. Therefore, any discriminatory action taken on account of an employee’s ancestry, age, color, disability, genetic information, gender, gender identity, gender expression, sexual and reproductive health decision, marital status, medical condition, military or veteran status, national origin, race (include traits historically associated with race, including, but not limited to, hair texture and protective hairstyles), religion (including religious dress), sex, or sexual orientation that adversely affects an employee's terms or conditions of employment is prohibited. This policy applies to all aspects of the employment relationship, including, but not limited to, hiring, training, salary administration, promotion, job assignment, benefits, discipline, and separation of employment. Allstate provides a comprehensive technology setup, including a laptop, monitors, headset, keyboard, and mouse. Employees eligible to work from home also receive a monthly connectivity reimbursement to help offset internet costs. When working from home, you must have a dedicated, private workspace free from distractions, along with appropriate desk and seating. Reliable internet is required, with minimum speeds of 50 MB download and 5 MB upload. To help create a more personal and engaging experience, we ask that you join with your camera on if your interview is virtual. Please also have a Valid Photo Identification available at the start of your interview. Note: Internal candidates are only asked to join on video; a Valid Photo Identification is not needed for the interview. Allstate offers an environment that fosters innovative thinking where you’ll be able to explore your ideas and feel proud of the work you do. Allstate helps protect nearly 16 million households with auto, home, life, and retirement products. We want every professional connected to Allstate to be committed to giving our customers the best and that means finding the best talent. We want you to be our next great addition. #J-18808-Ljbffr