Full-Time

Medical Bill Review Specialist 1/2

AF Group

AF Group

501-1,000 employees

Holding company offering specialty insurance solutions

No salary listed

Lansing, MI, USA

In Person

Certification

Category
Clerical & Data Entry (1)
Required Skills
Medical Terminology
Quality Assurance (QA)

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Requirements
  • Medical Bill Review Specialist I requires a high school diploma or GED.
  • Medical Bill Review Specialist I requires at least two years of experience in medical billing, medical coding, or similar relevant experience.
  • Medical Bill Review Specialist II requires a high school diploma or GED.
  • Medical Bill Review Specialist II requires a degree or certificate of completion in Medical Coding or Billing.
  • Medical Bill Review Specialist II requires either at least one year as a Medical Bill Review Specialist I or at least two years of demonstrated experience in workers compensation medical bill review analysis or pricing.
  • Basic knowledge of medical terminology, anatomy, Current Procedural Terminology codes, International Classification of Diseases Clinical Modification codes, and medical fee schedules is required.
  • Basic computer knowledge and the ability to enter alphanumeric data accurately are required.
  • Math skills and the ability to use a ten-key calculator are required.
  • The ability to meet daily production and quality standards is required.
  • The ability to use reference manuals and apply information to medical claims is required.
  • Organizational skills and the ability to prioritize work are required.
  • The ability to work with minimal direction is required.
  • Specialist II requires knowledge of various state workers compensation medical payment methodologies and demonstrated attention to detail.
Responsibilities
  • Analyze bills for multistate workers compensation medical claims to determine whether the services billed are appropriate.
  • Analyze simple billings using Medical Bill Review software to determine whether codes are appropriate.
  • Perform technical reviews of complex medical bills, including bills with modifiers, anesthesia, psychiatric services, outpatient hospital services, and multiple surgeries.
  • Make bill review processing determinations according to rules, regulations, business rules, client-specific requirements, state guidelines, and third-party partner requirements.
  • Provide quality assurance for basic bills for adjudication within the bill review system.
  • Review, analyze, adjust, and release basic or queued bills, including duplicate bills, to ensure timely payments.
  • Use fee schedules, Current Procedural Terminology codes, International Classification of Diseases Clinical Modification codes, Healthcare Common Procedure Coding System codes, and other industry publications to support findings.
  • Assist bill review teams with current work volumes or backlogs.
  • Identify bill review system or reporting issues and communicate findings to MBR leadership.
  • Review state reporting criteria related to bill processing and state guidelines.
  • Maintain confidential client information with discretion and good judgment in accordance with department and company guidelines.
  • Provide customer service to business partners and customers.
  • Ensure provider compliance with Workers Compensation Health Care Services Rules and Fee Schedule.
  • Process reconsiderations where no previous payment has been issued.

AF Group is a holding company that spans several specialty insurance companies. It focuses on creating tailored insurance solutions by using its expertise in underwriting and medical management, and it reaches customers through a network of independent agents. The group’s products include property and casualty coverage as part of its expanding specialty portfolio. Rather than selling directly, AF Group grows by acquiring and integrating insurance businesses that complement its existing offerings, such as AmeriTrust Group, to strengthen its market position. The company emphasizes financial stability, holding an A rating from A.M. Best, which signals solid solvency and reliability. AF Group’s main goal is to broaden its specialty insurance offerings and improve outcomes for clients by combining diverse insurers under one umbrella and leveraging a broad distribution network.

Company Size

501-1,000

Company Stage

N/A

Total Funding

N/A

Headquarters

Lansing, Michigan

Founded

1912

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Simplify Jobs

Simplify's Take

What believers are saying

  • Enstar announced the AF Group acquisition on February 13, 2026, adding capital support.
  • AF Group reported $3.3 billion gross written premium in 2025, showing scale.
  • AmeriTrust integration finished by April 30, 2026, strengthening product breadth and execution.

What critics are saying

  • AM Best placed AF Group under review on February 19, 2026 until Enstar closes.
  • Regulators can delay Enstar's 2026 acquisition; prolonged uncertainty disrupts agents and policyholders.
  • A ratings downgrade would wreck distribution credibility and make AF Group a takeover casualty.

What makes AF Group unique

  • AF Group combines century-old workers' compensation expertise with specialty underwriting discipline.
  • Its independent-agent distribution reaches all 50 states without expensive captive sales forces.
  • AM Best affirmed A ratings in December 2025, validating underwriting and reserve discipline.

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Benefits

Remote Work Options

Growth & Insights and Company News

Headcount

6 month growth

13%

1 year growth

13%

2 year growth

14%
Insurance Journal
Feb 13th, 2026
Enstar Group acquires Michigan's AF Group for $3.3B in gross written premium

Enstar Group, a global insurance and reinsurance firm backed by Sixth Street, has entered into a definitive agreement to acquire 100% of Accident Fund Holdings, Inc. from Blue Cross Blue Shield of Michigan. The transaction values were not disclosed. Headquartered in Lansing, Michigan, AF Group has operated for over a century and now delivers commercial and specialty insurance solutions across all 50 US states. The company reported consolidated gross written premium of $3.3 billion in 2025. Upon completion, AF Group will become a wholly owned subsidiary of Enstar whilst operating largely as a standalone company under its existing leadership team. The acquisition combines complementary capabilities in property and casualty insurance, including workers' compensation, and expands Enstar's global re/insurance solutions.

PR Newswire
Feb 13th, 2026
Blue Cross Blue Shield of Michigan positions AF Group for future success with sale to Enstar Group, backed by Sixth Street

/PRNewswire/ -- Blue Cross Blue Shield of Michigan has entered into a definitive agreement to sell its wholly owned subsidiary AF Group to Enstar Group, a...

The Manila Times
Feb 13th, 2026
Enstar Announces Acquisition of AF Group

Enstar announces acquisition of AF Group. By GlobeNewswire February 13, 2026 HAMILTON, Bermuda, Feb. 13, 2026 (GLOBE NEWSWIRE) - Enstar Group Limited ("Enstar"), a leading global insurance and reinsurance group backed by investment vehicles managed by affiliates of Sixth Street, a leading global investment firm, today announced it has entered into a definitive stock purchase agreement to acquire 100% of the shares of Accident Fund Holdings, Inc. ("AF Group") from Blue Cross Blue Shield of Michigan ("Blue Cross"). Headquartered in Lansing, Michigan, AF Group has been a premier provider of innovative insurance solutions through its affiliate brands for more than a century. Since its acquisition by Blue Cross in 1994, the organisation has strengthened its position in the US property and casualty market and now delivers commercial and specialty insurance solutions in all 50 states, backed by a longstanding record of disciplined underwriting and profitability, with consolidated gross written premium of $3.3 billion in 2025. The acquisition combines AF Group and Enstar's complementary capabilities in property and casualty insurance, including workers' compensation, leveraging Enstar's balance sheet strength to support AF Group's business while expanding Enstar's suite of global re/insurance solutions to serve a broader client base. Upon completion of the transaction, AF Group will become a wholly owned subsidiary of Enstar and operate largely as a standalone company, supported by Enstar. AF Group is expected to operate under its existing leadership team, continuing its commitment to delivering exceptional service whilst benefitting from the scale, network and expertise of Enstar and its investor group, including its partnership with Sixth Street. Sixth Street is a premier strategic partner to leading insurance companies and this transaction continues the expansion of Sixth Street's investment footprint. The transaction is expected to complete in the second half of 2026 upon receipt of regulatory approvals and satisfaction of various other closing conditions. Dominic Silvester, Enstar's Chief Executive Officer, said: "This transaction is a compelling live market opportunity that brings together two organisations with complementary strengths and common values. Enstar and our partners at Sixth Street are committed to working alongside AF Group as it executes its strategic plans. Our balance sheet strength, asset and liability management expertise, and strong financial strength ratings provide a solid platform for AF Group's future, while enabling us to expand our offering of both prospective and retrospective insurance solutions." Lisa Corless, AF Group's President and Chief Executive Officer, said: "This transaction combines our expertise, underwriting discipline and people-first culture with Enstar's proven market experience and financial strength. Aligned with our core offerings and strong commitment to customer centered service, this partnership will support continuity for agent partners, policyholders, and clients, and will enable us to build on our foundation of excellence." Wells Fargo, Goldman Sachs & Co. LLC, and Guy Carpenter Capital & Advisory, a division of MMC Securities LLC, served as financial advisers to Enstar on the transaction. Hogan Lovells, Simpson Thacher & Bartlett LLP, Willkie Farr & Gallagher LLP and Cleary Gottlieb Steen & Hamilton LLP acted as legal advisers. About Enstar Enstar is a global insurance and reinsurance group providing leading retrospective and specialist underwriting capabilities through its network of group companies across Bermuda, the United States, the United Kingdom, Continental Europe and Australia. With over $22 billion in total assets, $6.4 billion in shareholders' equity (as of 30 June, 2025), and more than 130 transactions completed since formation, Enstar has a proven record of pioneering innovative re/insurance solutions. The Group's financial strength is supported by "A" ratings from AM Best and S&P for its flagship reinsurer, Cavello Bay Reinsurance Limited. Enstar is privately owned and supported by investment vehicles managed by affiliates of Sixth Street, a leading global investment firm. For further information about Enstar, see www.enstargroup.com. About Sixth Street Sixth Street is a global investment firm with over $125 billion in assets under management and committed capital. The firm uses its long-term flexible capital, data-enabled capabilities, and One Team culture to develop themes and offer solutions to companies across all stages of growth. Founded in 2009, Sixth Street has more than 700 team members including over 300 investment professionals around the world1. For more information, and additional disclosures, visit https://www.sixthstreet.com/, and follow Sixth Street on LinkedIn. 1Total Sixth Street employees as of 10/31/2025 About AF Group AF Group is a nationally recognized holding company whose affiliated insurance brands are premier providers of innovative, specialty insurance solutions offered through independent agents nationwide. All policies are underwritten by a licensed insurer subsidiary. Accident Fund Insurance Company of America. For more information, visit afgroup.com. (C) AF Group. Sixth Street

GlobeNewswire
Feb 13th, 2026
Enstar Announces Acquisition of AF Group

Enstar announces acquisition of AF Group. HAMILTON, Bermuda, Feb. 13, 2026 (GLOBE NEWSWIRE) - Enstar Group Limited ("Enstar"), a leading global insurance and reinsurance group backed by investment vehicles managed by affiliates of Sixth Street, a leading global investment firm, today announced it has entered into a definitive stock purchase agreement to acquire 100% of the shares of Accident Fund Holdings, Inc. ("AF Group") from Blue Cross Blue Shield of Michigan ("Blue Cross"). Headquartered in Lansing, Michigan, AF Group has been a premier provider of innovative insurance solutions through its affiliate brands for more than a century. Since its acquisition by Blue Cross in 1994, the organisation has strengthened its position in the US property and casualty market and now delivers commercial and specialty insurance solutions in all 50 states, backed by a longstanding record of disciplined underwriting and profitability, with consolidated gross written premium of $3.3 billion in 2025. The acquisition combines AF Group and Enstar's complementary capabilities in property and casualty insurance, including workers' compensation, leveraging Enstar's balance sheet strength to support AF Group's business while expanding Enstar's suite of global re/insurance solutions to serve a broader client base. Upon completion of the transaction, AF Group will become a wholly owned subsidiary of Enstar and operate largely as a standalone company, supported by Enstar. AF Group is expected to operate under its existing leadership team, continuing its commitment to delivering exceptional service whilst benefitting from the scale, network and expertise of Enstar and its investor group, including its partnership with Sixth Street. Sixth Street is a premier strategic partner to leading insurance companies and this transaction continues the expansion of Sixth Street's investment footprint. The transaction is expected to complete in the second half of 2026 upon receipt of regulatory approvals and satisfaction of various other closing conditions. Dominic Silvester, Enstar's Chief Executive Officer, said: "This transaction is a compelling live market opportunity that brings together two organisations with complementary strengths and common values. Enstar and our partners at Sixth Street are committed to working alongside AF Group as it executes its strategic plans. Our balance sheet strength, asset and liability management expertise, and strong financial strength ratings provide a solid platform for AF Group's future, while enabling us to expand our offering of both prospective and retrospective insurance solutions." Lisa Corless, AF Group's President and Chief Executive Officer, said: "This transaction combines our expertise, underwriting discipline and people-first culture with Enstar's proven market experience and financial strength. Aligned with our core offerings and strong commitment to customer centered service, this partnership will support continuity for agent partners, policyholders, and clients, and will enable us to build on our foundation of excellence." Advisors Wells Fargo, Goldman Sachs & Co. LLC, and Guy Carpenter Capital & Advisory, a division of MMC Securities LLC, served as financial advisers to Enstar on the transaction. Hogan Lovells, Simpson Thacher & Bartlett LLP, Willkie Farr & Gallagher LLP and Cleary Gottlieb Steen & Hamilton LLP acted as legal advisers. About Enstar Enstar is a global insurance and reinsurance group providing leading retrospective and specialist underwriting capabilities through its network of group companies across Bermuda, the United States, the United Kingdom, Continental Europe and Australia. With over $22 billion in total assets, $6.4 billion in shareholders' equity (as of 30 June, 2025), and more than 130 transactions completed since formation, Enstar has a proven record of pioneering innovative re/insurance solutions. The Group's financial strength is supported by "A" ratings from AM Best and S&P for its flagship reinsurer, Cavello Bay Reinsurance Limited. Enstar is privately owned and supported by investment vehicles managed by affiliates of Sixth Street, a leading global investment firm. For further information about Enstar, see www.enstargroup.com. About Sixth Street Sixth Street is a global investment firm with over $125 billion in assets under management and committed capital. The firm uses its long-term flexible capital, data-enabled capabilities, and One Team culture to develop themes and offer solutions to companies across all stages of growth. Founded in 2009, Sixth Street has more than 700 team members including over 300 investment professionals around the world[1]. For more information, and additional disclosures, visit https://www.sixthstreet.com/, and follow Sixth Street on LinkedIn. [1] Total Sixth Street employees as of 10/31/2025 About AF Group AF Group is a nationally recognized holding company whose affiliated insurance brands are premier providers of innovative, specialty insurance solutions offered through independent agents nationwide. All policies are underwritten by a licensed insurer subsidiary. Accident Fund Insurance Company of America. For more information, visit afgroup.com. (C) AF Group.

WorkCompWire
Feb 4th, 2026
AF Group Names Mike Valiante as President, Commercial Markets

AF Group names Mike Valiante as president, Commercial Markets. Lansing, MI - AF Group recently announced the promotion of Mike Valiante as president of Commercial Markets. "Mike is an exceptional, highly respected leader who has demonstrated a clear passion for our organization and our agents and brokers," said Lisa Corless, president and CEO of AF Group. "His experience in building trusted, long-term relationships and profitable underwriting and operating strategies will serve him well in this expanded role, and we're excited to see how his vision will enhance key partnerships and our organization over the long term." A seasoned industry executive, Valiante first joined the organization in 2011 as director of Field Operations for AF Group's Third Coast Underwriters brand and was promoted to vice president in 2013 with increasing responsibility for business development, underwriting and data and analytics. In 2020, he assumed leadership of Business Development and Operations for Accident Fund and later advanced to his most recent senior vice president role with responsibilities for small commercial markets. "I'm grateful to Lisa for the opportunity to lead our strong Commercial Markets team and create a market-centric model rooted in our expertise in workers' compensation," said Valiante. "Our goal is to transform our products and service offerings, deliver specialized multiline solutions and further anchor our agent partnerships to reflect their immense value to our future." Valiante earned a Bachelor of Arts degree from Marietta College (Marietta, Ohio) and he serves as chair of the board for Habitat for Humanity Greater Capital Region in Lansing.