Supplemental Health Claims Consultant

One America Financial
Indianapolis Tower
One American Square
Indianapolis, IN 46282, USA

At One America Financial, our purpose is to create more certainty for our customers that leads to better moments, every day. Our commitment is to advance stability and growth in every solution and relationship. We deliver financial strength that builds for generations, and we are always aspiring, looking ahead, and collaborating to achieve more, together. Come be a part of this journey with us as we champion lives!

The Supplemental Health Claims Consultant is an individual contributor responsible for providing subject matter expertise to design, implement, and continuously improve supplemental health claims processes, procedures, and workflows. This role partners closely with Claims Operations, Product, Compliance, Training, and Technology teams to ensure customer‑focused, compliant, and efficient claims practices. The position may also adjudicate claims and support quality initiatives as needed.

• Process, procedure, and workflow design:
  Lead the development and implementation of new and revised supplemental health claims processes, standard operating procedures (SOPs), desk‑level job aids, workflow diagrams, and controls to support consistent, scalable operations.
• Technical claims subject‑matter expertise:
  Serve as the go‑to expert for supplemental health products (Accident, Critical Illness, Hospital Indemnity, Wellness, etc.) and interpret plan provisions, definitions, limitations, exclusions, riders, and administrative rules to guide accurate claims outcomes.
• Systems design and requirements support:
  Partner with Technology and business stakeholders to translate operational needs into clear requirements (rules, routing, templates, decision logic, edits, and reporting), validate design, and support testing (UAT) to ensure systems enable compliant and efficient claims processing.
• Eligibility and efficiency optimization:
  Identify opportunities to improve eligibility verification, evidence collection, and straight‑through processing; recommend automation and controls to reduce rework, turnaround time, and preventable denials while maintaining accuracy and customer experience.
• Training and knowledge enablement:
  Contribute to training program development by creating curriculum content, job aids, and scenario‑based learning; deliver or support training for new hires and tenured staff on product knowledge, systems, and procedure changes.
• Continuous improvement and quality:
  Analyze operational performance (e.g., turnaround time, accuracy, denial drivers, customer contacts), support root‑cause investigations, and implement corrective actions; participate in audits and quality reviews to sustain high standards.
• Regulatory compliance and industry awareness:
  Stay current on applicable federal/state regulations, market trends, and internal compliance requirements; assess impacts to claims handling and proactively recommend updates to procedures, controls, training, and communications.
• Claims adjudication (as assigned):
  Review and adjudicate supplemental health claims in accordance with plan provisions and procedures.

• Bachelor’s degree (or equivalent combination of education and related experience).
• 3+ years of experience in supplemental health (voluntary benefits) claims operations and/or claims adjudication (Accident, Critical Illness, Hospital Indemnity, Wellness, etc.).
• Experience with process improvement methods, service‑level management, and quality/audit programs.
• Experience creating and maintaining operational documentation (SOPs, workflows, job aids) and communicating process changes to stakeholders.
• Experience supporting implementations or migrations of claims platforms (requirements, configuration support, testing, training, go‑live readiness).
• Demonstrated training facilitation experience (live sessions, virtual training, train‑the‑trainer).
• Demonstrated ability to interpret plan provisions/contract language and apply it consistently to claim scenarios.
• Working knowledge of claims systems and operational controls (queue routing, decision rules, correspondence templates, work…