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Insurance Claims Representative Jobs in Minnesota

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Insurance Claims Representative information

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$6

$24

$39

How much do insurance claims representative jobs pay per hour?

As of Aug 3, 2026, the average hourly pay for insurance claims representative in Minnesota is $24.06, according to ZipRecruiter salary data. Most workers in this role earn between $17.40 and $28.27 per hour, depending on experience, location, and employer.

Is it hard to be an insurance claims representative?

Being an insurance claims representative involves handling complex cases, requiring strong communication, attention to detail, and knowledge of insurance policies. The job can be demanding due to the need to evaluate claims accurately and manage customer interactions, but it is generally manageable with proper training and experience.

What does an insurance claims representative do?

An Insurance Claims Representative is responsible for evaluating insurance claims submitted by policyholders. They investigate the details of each claim, determine the extent of the insurance company's liability, and help ensure that claims are processed accurately and efficiently. They may gather information from claimants, witnesses, and other parties, review documentation, and communicate decisions to customers. Their goal is to provide fair settlements while adhering to company policies and legal guidelines.

What are the key skills and qualifications needed to thrive as an insurance claims representative, and why are they important?

To thrive as an Insurance Claims Representative, you need a solid understanding of insurance policies, claims processes, and investigative techniques, typically supported by a high school diploma or associate degree. Familiarity with claims management software, CRM systems, and occasionally industry certifications such as AIC (Associate in Claims) are commonly required. Strong customer service, analytical thinking, and effective communication skills help you manage claims efficiently and support clients during stressful situations. These abilities are vital for ensuring accurate claims resolution, maintaining customer satisfaction, and upholding the company's reputation.

Do you need a degree to be an insurance claims representative?

Typically, a high school diploma or equivalent is sufficient to become an insurance claims representative. Some employers prefer candidates with post-secondary education or relevant certifications, and strong communication and customer service skills are important for the role.

What does an insurance claims representative do?

An insurance claims representative assesses customer insurance claims. Your duties in this career include visiting accident sites and interviewing witnesses or customers to determine the scope of the claim. You also determine whether or not it is worth negotiating a settlement, and if so, you ensure all settlement claims are handled quickly. In addition to assessing accidents and claims, you update customer policies depending on their history. Qualifications for the career include experience and job skills. You should have excellent customer service, a firm knowledge of all company policies, and computer literacy.

What are some common challenges insurance claims representatives face when handling complex claims?

Insurance Claims Representatives often encounter challenges such as managing high caseloads, interpreting intricate policy details, and handling sensitive conversations with policyholders during stressful situations. They must balance empathy with adherence to company policies and regulations, all while investigating and verifying the validity of claims. Effective communication, time management, and problem-solving skills are essential to navigate these complexities and deliver fair outcomes for both the client and the insurer.

What is the difference between Insurance Claims Representative vs Insurance Adjuster?

AspectInsurance Claims RepresentativeInsurance Adjuster
Required CredentialsHigh school diploma or equivalent; some roles may require licensingLicensing often required; certifications like AIC or CPCU beneficial
Work EnvironmentOffice settings, customer service interactions, claims processingFieldwork, site inspections, or office-based assessments
Employer & Industry UsageInsurance companies, claims departmentsInsurance companies, independent adjusting firms
Common Search & ComparisonOften compared for claims handling rolesMore focused on damage assessment and investigation

The main difference between an Insurance Claims Representative and an Insurance Adjuster lies in their roles. Claims Representatives primarily handle customer interactions and process claims within an office environment, while Adjusters often conduct field inspections and assess damages. Both roles require relevant licensing and are integral to the insurance industry, but they focus on different aspects of claims management.

More about Insurance Claims Representative jobs
What are popular job titles related to Insurance Claims Representative jobs in Minnesota? For Insurance Claims Representative jobs in Minnesota, the most frequently searched job titles are:
What job categories do people searching Insurance Claims Representative jobs in Minnesota look for? The top searched job categories for Insurance Claims Representative jobs in Minnesota are:
What are popular job titles related to Insurance Claims Representative jobs in MN? For Insurance Claims Representative jobs in MN, the most frequently searched job titles are:
Insurance Claims Representative jobs near you
Infographic showing various Insurance Claims Representative job openings in Minnesota as of July 2026, with employment types broken down into 90% Full Time, 8% Part Time, and 2% Contract. Highlights an 87% Physical, 4% Hybrid, and 9% Remote job distribution, with an average salary of $50,039 per year, or $24.1 per hour.

Unpaid Claims Representative

Nystrom & Associates, Ltd.

New Brighton, MN • On-site, Remote

$20 - $22/hr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 17 days ago

Nystrom & Associates rating

7.4

Company rating: 7.4 out of 10

Based on 22 frontline employees who took The Breakroom Quiz

Job description

Description
Location: 1200 County Road E., Arden Hills, MN 55112, United States
Working Model: Remote - Minnesota
Employee Type: 1.0
Schedule: Monday through Friday 7:00 AM -3:30 PM
At Sagent Behavioral Health, we believe profound change is possible. As one of the largest behavioral health organizations in the Midwest-with 2,000+ team members across 80+ locations in five states-we offer the stability and resources to help you thrive.
Backed by more than 100 years of combined behavioral health experience, Sagent brings together the trusted legacies of Ellie Mental Health, LifeWorks, Nystrom & Associates, Psychiatric Associates, Sandhill Counseling & Consultation, and Vantage Point.
Here, you'll find a supportive, inclusive culture where you can hone your skills, collaborate with a fantastic team, and build a rewarding career focused on what matters most: helping others find hope. Guided by our HOPE values-Humility, Optimism, People-Centered, and Ethical Practice-we provide manageable caseloads, flexible schedules, and compensation options that work for you-from salary to production-based models.
As a Unpaid Claims Representative at Sagent Behavioral Health, you will play a critical role in supporting the timely and accurate processing of insurance claims within our Business Office. You will ensure outstanding claims are followed up on, resolved, and billed appropriately, helping maintain smooth revenue cycle operations for our mental health services. This position requires strong attention to detail, effective communication, and a commitment to resolving claim issues efficiently.
Full Time Benefits:
  • Medical, Dental, Vision

  • 401k, Long Term Disability, Short Term Disability and Life Insurance

  • PTO and Time Off

Responsibilities:
    • Follow up on unpaid insurance claims for assigned payers to ensure timely resolution.
    • Investigate each denied or rejected claim thoroughly and determine the necessary corrective actions.
    • Resubmit or appeal claims as needed to secure proper reimbursement.
    • Communicate directly with insurance companies to gather information, clarify denials, and resolve issues.
    • Respond promptly to inquiries from Providers, Patient Financial Services, and the Insurance Team.
    • Maintain a strong understanding of insurance guidelines, billing rules, and interpretation of EOBs.
    • Identify recurring issues or trends with specific insurance companies and escalate as appropriate.
    • Perform additional duties as assigned by management to support departmental operations.

Requirements:
      • At least 6+ months of experience in the Sagent Behavioral Health's Business Office or comparable claims/AR experience.
      • Familiarity with insurance company guidelines, billing procedures, and claim adjudication processes.
      • Strong attention to detail, problem-solving skills, and a positive, team-oriented mindset.
      • Proficiency with Microsoft Windows, Excel, Word, and Outlook.
      • High school diploma or equivalent, with strong organizational and multitasking abilities.

Compensation: $20.00-$22.00/hr
*Actual compensation may be determined by various factors such as education, experience, skillset, internal equity, schedule and/or location.
* Employees in these positions are W2.
Sagent Behavioral Health is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.

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