Actuaries

Our work matters. We help people get the medicine they need to feel better and live well. We do not lose sight of that. It fuels our passion and drives every decision we make.

**Job Posting Title**

Actuarial Analyst - REMOTE

**Job Description**

The Actuarial Analyst is responsible for providing actuarial and pricing analyses to Prime’s existing and potential clients. This role will use and build innovative actuarial modeling concepts to assist strategically on trend, benefit design and pricing support for all Prime’s lines of business (commercial, Medicare and Medicaid).

**Responsibilities**

+ Build, support, and maintain financial and actuarial models

+ Perform and review data analyses, reporting, and projections

+ Perform and review ad hoc pharmacy data mining and analyses to help investigate and answer challenging questions regarding actuarial data and concepts

+ Assist with development of client presentations

+ Collaborate with underwriters, other areas of Prime, and senior management on pricing initiatives, data analyses, and the RFP process

+ Ensure work is consistent with actuarial standards, as applicable

+ Other duties as assigned

**Minimum Qualifications:**

+ Bachelor’s degree in Math, Actuarial Science, Economics or Finance

+ 2 years of work experience in actuarial services, underwriting, or analytics

+ 3 actuarial exams passed

+ Must be eligible to work in the United States without need for work visa or residency sponsorship

**Additional Qualifications:**

+ Advanced level of proficiency in Excel; proficient in SAS, SQL, or VBA

+ Excellent quantitative, problem solving, and analytical skills

+ Self-motivated with the ability to balance and follow-up on multiple projects

+ Strong verbal and written communication skills

**Preferred Qualifications**

+ 2 years of actuarial work experience in a healthcare organization or PBM

+ Previous experience pricing Commercial, Medicare or Medicaid lines of businesses

+ 1 year of experience in SAS, SQL, or VBA • Previous experience presenting results

**Minimum Physical Job Requirements**

+ Constantly required to sit, use hands to handle or feel, talk and hear

+ Frequently required to reach with hands and arms

+ Occasionally required to stand, walk and stoop, kneel, and crouch

+ Occasionally required to lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds

+ Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and ability to adjust focus

**Reporting Structure**

+ Reports to Senior Principal in the Finance department

Potential pay for this position ranges from $74,000.00 - $118,000.00 based on experience and skills.

To review our Benefits, Incentives and Additional Compensation, visit our Benefits Page (https://www.primetherapeutics.com/benefits) and click on the "Benefits at a glance" button for more detail.

_Prime Therapeutics LLC is proud to be an equal opportunity and affirmative action employer. We encourage diverse candidates to apply, and all qualified applicants will receive consideration for employment without regard to race, color, religion, gender, sex (pregnancy, sexual orientation, and gender identity), national origin, disability, age, veteran status, or any other legally protected class under federal, state, or local law. _

_We welcome people of different backgrounds, experiences, abilities, and perspectives including qualified applicants with arrest and conviction records and any qualified applicants requiring reasonable accommodations in accordance with the law._

_Prime Therapeutics LLC is a Tobacco-Free Workplace employer._

Positions will be posted for a minimum of five consecutive workdays.

Prime Therapeutics' fast-paced and dynamic work environment is ideal for proactively addressing the constant changes in today's health care industry. Our employees are involved, empowered, and rewarded for their achievements. We value new ideas and work collaboratively to provide the highest quality of care and service to our members.

If you are looking to advance your career within a growing, team-oriented, award-winning company, apply to Prime Therapeutics today and start making a difference in people's lives.

Prime Therapeutics LLC is proud to be an equal opportunity and affirmative action employer. We encourage diverse candidates to apply, and all qualified applicants will receive consideration for employment without regard to race, color, religion, gender, sex (pregnancy, sexual orientation, and gender identity), national origin, disability, age, veteran status, or any other legally protected class under federal, state, or local law.

We welcome people of different backgrounds, experiences, abilities, and perspectives including qualified applicants with arrest and conviction records and any qualified applicants requiring reasonable accommodations in accordance with the law.

Prime Therapeutics LLC is a Tobacco-Free Workplace employer.

If you are an applicant with a disability and need a reasonable accommodation for any part of the employment process, please contact Human Resources at 1.866.469.1257 or email [email protected].

**Alternate Locations:** Radnor, PA (Pennsylvania); Charlotte, NC (North Carolina); Fort Wayne, IN (Indiana); Greensboro, NC (North Carolina); Hartford, CT (Connecticut); Omaha, NE (Nebraska); Work from Home

**Work Arrangement:**

Remote : Work at home employee residing outside of a commutable distance to an office location.

**Relocation assistance:** is not available for this opportunity.

**Requisition #:** 74230

**The Role at a Glance**

In this role, you will produce the quarterly and monthly valuations for Lincoln’s variable annuity block of business, and partner with internal stakeholders to analyze and gain insights into results.

**What you'll be doing**

+ Produce statutory reserves and capital results under VM-21 for reporting and Lincoln’s VA hedging program.

+ Partner with Market Risk Management to report the VA MRB results under LDTI.

+ Develop modeling software expertise in GGY-AXIS for variable annuities and RILA products.

+ Build on existing automation efforts within Dataiku and Tableau to increase efficiency, reduce the potential for error and improve presentation of results.

+ Collaborate with the Capital Management area to build new tools and processes to gain further insights into VA capital.

+ Work cross-functionally with other teams, including Accounting, Financial Planning and Analysis (FP&A), Market Risk Management (MRM), Model Development, Pricing, Audit, ERM, Investments and Capital Management.

**What we’re looking for**

+ If you are someone that has a passion for complexity, continuous improvements and execution, this may be the right role for you!

+ 7-10 years of actuarial experience

+ Demonstrated accountability

+ Strong execution and time management skills

+ Driven and motivated to produce high quality work and meet reporting deadlines

+ Self-starter with ability to work independently

+ FSA designation (preferred) or ASA designation (required)

+ AXIS modeling experience strongly preferred

**Application Deadline**

Applications for this position will be accepted through March 1st, 2025 subject to earlier closure due to applicant volume.

**What’s it like to work here?**

At Lincoln Financial Group, we love what we do. We make meaningful contributions each and every day to empower our customers to take charge of their lives. Working alongside dedicated and talented colleagues, we build fulfilling careers and stronger communities through a company that values our unique perspectives, insights and contributions and invests in programs that empower each of us to take charge of our own future.

**What’s in it for you:**

+ Clearly defined career tracks and job levels, along with associated behaviors for each Lincoln leadership Attribute.

+ Leadership development and virtual training opportunities

+ PTO/parental leave

+ Competitive 401K and employee benefits (https://hrdirectdocs.lfg.com/misc/HR/Recruiting/BenefitsResourcesGuide.pdf)

+ Free financial counseling, health coaching and employee assistance program

+ Tuition assistance program

+ A leadership team that prioritizes your health and well-being; offering a remote work environment and flexible work hybrid situations

+ Effective productivity/technology tools and training

The pay range for this position is $108,501 - $195,900 with **anticipated pay for new hires between the minimum and midpoint of the range** and could vary above and below the listed range as permitted by applicable law. Pay is based on non-discriminatory factors including but not limited to work experience, education, location, licensure requirements, proficiency and qualifications required for the role. The base pay is just one component of Lincoln’s total rewards package for employees. In addition, the role may be eligible for the Annual Incentive Program, which is discretionary and based on the performance of the company, business unit and individual. Other rewards may include long-term incentives, sales incentives and Lincoln’s standard benefits package.

**About The Company**

Lincoln Financial Group helps people to plan, protect and retire with confidence. As of Dec. 31, 2023, approximately 17 million customers trust our guidance and solutions across four core businesses – annuities, life insurance, group protection and retirement plan services. As of December 31, 2023, the company had $295 billion in end-of-period account balances, net of reinsurance. Headquartered in Radnor, Pa., Lincoln Financial Group is the marketing name for Lincoln National Corporation (NYSE: LNC) and its affiliates. Learn more at LincolnFinancial.com.

Lincoln is committed to creating a diverse and inclusive (https://www.lfg.com/public/aboutus/companyoverview/diversityinclusion?audience\_page\_id=1422918942386) environment and is proud to be an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status.

Follow us on Facebook (http://www.facebook.com/lincolnfinancialgroup) , X (https://mobile.twitter.com/lincolnfingroup) , LinkedIn (https://www.linkedin.com/company/4307?trkInfo=tas%3Alincoln+financial%2Cidx%3A3-1-3&trk=tyah) , and Instagram (https://www.instagram.com/lincolnfingroup/) . For the latest company news, visit our newsroom (https://www.lincolnfinancial.com/public/aboutus/newsroom) .

**Be Aware of Fraudulent Recruiting Activities**

If you are interested in a career at Lincoln, we encourage you to review our current openings and apply on our website. Lincoln values the privacy and security of every applicant and urges all applicants to diligently protect their sensitive personal information from scams targeting job seekers. These scams can take many forms including fake employment applications, bogus interviews and falsified offer letters.

Lincoln will not ask applicants to provide their social security numbers, date of birth, bank account information or other sensitive information in job applications. Additionally, our recruiters do not communicate with applicants through free e-mail accounts (Gmail, Yahoo, Hotmail) or conduct interviews utilizing video chat rooms. We will never ask applicants to provide payment during the hiring process or extend an offer without conducting a phone, live video or in-person interview. Please contact Lincoln's fraud team at [email protected] if you encounter a recruiter or see a job opportunity that seems suspicious.

**Additional Information**

This position may be subject to Lincoln’s Political Contribution Policy. An offer of employment may be contingent upon disclosing to Lincoln the details of certain political contributions. Lincoln may decline to extend an offer or terminate employment for this role if it determines political contributions made could have an adverse impact on Lincoln’s current or future business interests, misrepresentations were made, or for failure to fully disclose applicable political contributions and or fundraising activities.

Any unsolicited resumes or candidate profiles submitted through our web site or to personal e-mail accounts of employees of Lincoln Financial Group are considered property of Lincoln Financial Group and are not subject to payment of agency fees.

Lincoln Financial Group (“LFG”) is an Equal Opportunity employer and, as such, is committed in policy and practice to recruit, hire, compensate, train and promote, in all job classifications, without regard to race, color, religion, sex (including pregnancy), age, national origin, disability, sexual orientation, gender identity and expression, Veteran status, or genetic information. Applicants are evaluated on the basis of job qualifications. If you are a person with a disability that impedes your ability to express your interest for a position through our online application process, or require TTY/TDD assistance, contact us by calling 260-455-2558.

This Employer Participates in E-Verify. See the E-Verify (https://www.e-verify.gov) notices.

Este Empleador Participa en E-Verify. Ver el E-Verify (https://www.e-verify.gov/es) avisos.

Lincoln Financial Group ("LFG") is an Equal Opportunity employer and, as such, is committed in policy and practice to recruit, hire, compensate, train and promote, in all job classifications, without regard to race, color, religion, sex (including pregnancy), age, national origin, disability, sexual orientation, gender identity and expression, veterans status, or genetic information. Opportunities throughout LFG are available to employees and applicants and are evaluated on the basis of job qualifications. We have a drug free work environment and we perform pre-employment substance abuse testing.

**Job Title:**

Pricing Analyst III, LTL

**Department:**

Sales, Marketing & Product Management

**Country:**

United States of America

**State/Province:**

Arkansas

**City:**

Lowell

**Full/Part Time:**

Full time

**Job Summary:**

Under general supervision, this position is responsible for leading pricing activities for our LTL business accounts to maximize profitability and efficient utilization of company resources. This position requires less supervision, more responsibility, and would create/submit smaller proposals independently. Larger and/or complex bids would not be submitted without being reviewed by a manager.

**Job Description:**

**Key Responsibilities:**

+ Determine pricing consistent with company objectives as it relates to market rate and customer objectives with minimal errors

+ Work with assigned pricing team to support preparation for customer reviews, maintain market competitive pricing, and to retain and expand business; strategize and influence with internal teams to understand customer requirements, objectives related to pricing needs, and market intelligence, as needed

+ Support bid process by collecting and analyzing preliminary rate and volume data, and published accessorial relative to operational characteristics for actual cost and revenue collection trends in order to maintain profitable business with minimal leadership guidance

+ Work to improve quality of revenue and yield management

+ Create account specific strategies based on historical data and future growth goals with leadership guidance

+ Influence and mentor peers in a way that offers reciprocal growth

+ Contribute valuable content and tactics to leadership and internal stakeholders during meetings

+ Create RFPs and bid documentation to procure customer-specific pricing from LTL carriers, negotiate rates and service requirements, and collaborate with carrier partners to develop specialized solutions meeting customer objectives and operational requirements.

+ Perform other duties as assigned

Position will report to an office if candidate is located in the following commutable areas: Lowell, AR; Los Angeles, CA; Dallas, TX; Des Moines, IA; Atlanta, GA; Chicago, IL; Pittsburgh, PA; Richmond, VA; Rochester, NY; and West Orange, NJ

**Qualifications:**

**Minimum Qualification:**

+ High School Diploma or GED equivalent with 1-2 years of relevant transportation logistics, pricing, or finance experience, or comparable combination of education, experience, and training, and/or military equivalent

+ Knowledge of LTL (asset-based or third-party) or similar complex transportation modes is strongly preferred experience, and training, and/or military equivalent.

**Preferred Qualification:**

+ Bachelor's degree in transportation logistics, mathematics, economics, or a related field with 1-2 years of relevant transportation logistics, pricing, or finance experience, or comparable combination of education, experience, and training, and/or military equivalent

+ Experience in pricing, costing, procurement, network design/engineering, or comparable skillsets is preferred. Experience at an asset-based LTL carrier is a plus.

Preference given to candidates located in the following commutable areas: Lowell, AR; Los Angeles, CA; Dallas, TX; Des Moines, IA; Atlanta, GA; Chicago, IL; Pittsburgh, PA; Richmond, VA; Rochester, NY; and West Orange, NJ"

**Compensation:**

Factors which may affect starting pay within this range may include skills, education, experience geography and other qualifications of the successful candidate. This position may be eligible for annual bonus and incentives based on profitability or volumes in accordance with terms of the Company's bonus and incentive plans, as applicable and in effect from time to time.

**Benefits:**

The Company offers the following benefits for full-time positions, subject to applicable eligibility requirements as may be in effect from time-to-time medical benefits, dental benefit, vision benefit, 401(k) retirement plan, life insurance, short term and long-term disability coverage, paid time off commensurate with tenure(includes vacations and sick time), two weeks of paid parental leave and six paid holidays annually.

**The expected starting pay range for this position varies based on location:**

Lowell, AR: between $61,00 - $77,00

Los Angeles, CA: between $70,00k - $88,00

Dallas, TX: between $64,00 - $81,00

Des Moines, IO: between $61,00 - $77,00

Atlanta, GA: between $61,00 - $77,00

Chicago, IL: between $67,00 - $84,00

Pittsburgh, PA: between $61,00 - $77,00

Richmond, VA: between $61,00 - $77,00

Rochester, NY: between $61,00 - $77,00

West Orange, NJ: between $70,00 - $88,00

This position is not eligible for employment-based sponsorship.

**Compensation:**

Factors which may affect starting pay within this range may include skills, education, experience, geography, and other qualifications of the successful candidate. This position may be eligible for annual bonus and incentives based on profitability or volumes in accordance with the terms of the Company’s bonus and incentive plans, as applicable and in effect from time to time.

**Benefits:**

The Company offers the following benefits for full-time positions, subject to applicable eligibility requirements, as may be in effect from time to time: medical benefit, dental benefit, vision benefit, 401(k) retirement plan, life insurance, short-term and long-term disability coverage, paid time off commensurate with tenure (includes vacation and sick time), six weeks of paid maternity leave along with two weeks of paid parental leave, and six paid holidays annually.

**Education:**

Bachelors: Economics, Bachelors: Mathematics, Bachelors: Transportation Logistics, GED (Required), High School (Required)

**Work Experience:**

Finance, Transportation/Logistics

**Job Opening ID:**

00568114 Pricing Analyst III, LTL (Open)

**_“This job description has been designed to indicate the general nature and level of work performed by employees within this_** **_classification._** **_It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities and qualifications required of employees assigned to this job._**

**_To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.”_**

**_J.B. Hunt Transport, Inc. is committed to basing employment decisions on the principles of equal employment opportunity without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, persons with disabilities, protected veterans or other bases by applicable law._**

**Fortune 500 experience. Career advancement. Nationwide relocation possibilities.**

Headquartered in Northwest Arkansas, J.B. Hunt is a dominant force in transportation and logistics, offering exciting career opportunities both at corporate and at field locations across the country. There are a variety of job types that support our business, so no matter your passion, J.B. Hunt is the place to jumpstart your career.

**Why J.B. Hunt?**

J.B. Hunt is a leading transportation and logistics company for one simple reason – our people. The career possibilities and benefits of working at J.B. Hunt are endless. From competitive salary and benefits packages, to defined career paths and growth opportunities, we take care of our people and take great pride in our efforts to build and sustain an inclusive workplace for all employees.

**What are we looking for?**

J.B. Hunt welcomes high-energy, forward-thinking people of all backgrounds and experience levels to join our team. We offer full-time, entry level, professional and management opportunities across all departments. Whether you are fresh out of school or bring years of industry experience, a role at J.B. Hunt could take your career to the next level.

J.B. Hunt Transport, Inc. affirms its belief in equal employment opportunity for all employees and applicants for employment in all terms and conditions of employment. J.B. Hunt is committed to both the spirit and the letter of affirmative action law and continues its good-faith efforts to comply with all applicable government laws and regulations. The company is committed to basing employment decisions on the principles of equal employment opportunity. J.B. Hunt will recruit, hire, compensate, offer benefits to, upgrade, train, layoff, terminate, and/or promote individuals without discrimination in regards to race, color, religion, sex, national origin, age, sexual orientation, gender identity, status as a qualified individual with a disability, status as a protected veteran, or other bases by applicable law.

J.B. Hunt Transport, Inc. offers reasonable accommodation in the employment process for individuals with disabilities. If you need assistance in the application process due to a disability, you may request accommodation at any time by calling 1-800-777-4968.

**Become a part of our caring community and help us put health first**

The Associate Actuary, Analytics/Forecasting applies statistical/actuarial methods to advise senior leadership and other business stakeholders on matters of Medicare payments. Work involves developing deep subject matter around Medicare Advantage payments, with a focus on risk adjustment. The role examines public policy, including quantifying the impact of potential regulatory changes to support strategy around advocacy, bid development and financial planning. Applies statistical methods for modeling and comparison studies

The Associate Actuary, Analytics/Forecasting analyzes emerging trends on Medicare payment policy to quantify financial impacts, identify methodological concerns in external research. Supports strategic response to policy proposals through effective reporting to senior leadership, drafting comments and methodology critiques.

Analysis of MA Risk adjustment, including analyzing/forecasting trends in risk adjustment within MA industry and Traditional Medicare. Developing deep subject matter expertise in risk adjustment, leveraging Medicare data to support operations and strategic planning.

Statistical modeling is used to complete population-comparison studies, analyze trends, and estimate the effect of various interventions in health care delivery.

The role leverages SAS for statistical modeling and data manipulation. Creation of, and periodic update to, data sets. Managing reference documents related to risk adjustment

Begins to influence department’s strategy. Makes decisions on moderately complex to complex issues regarding technical approach for project components, and work is performed without direction. Exercises considerable latitude in determining objectives and approaches to assignments.

Opportunities to develop leadership/management skills through managing an intern.

**Use your skills to make an impact**

**Required Qualifications**

+ Bachelor's Degree in quantitative domain (e.g. mathematics, computer sciences, economics) or equivalent professional designation in mathematical/statistical domain (e.g. Associate of Society of Actuaries)

+ Proficiency in at least one programming language (e.g. SAS, R, Python, SQL, VB, C++)

+ Proficiency in MS Excel

+ Minimum 4 years' experience with modeling, forecasting or other applied statistical methods

+ Strong communication/presentation skills

**Preferred Qualifications**

- Medicare Advantage risk adjustment experience

- Medicare bid pricing, consulting, or other Medicare-specific experience, including part D

- Proficiency in SAS statistical software

- Experience with MS PowerPoint

- Experience with MS Power BI

- Experience with data visualization

- Business writing experience (e.g. drafting memoranda, whitepapers)

- Experience with formal research and published studies

**Additional Information**

**Scheduled Weekly Hours**

40

**Pay Range**

The compensation range below reflects a good faith estimate of starting base pay for full time (40 hours per week) employment at the time of posting. The pay range may be higher or lower based on geographic location and individual pay will vary based on demonstrated job related skills, knowledge, experience, education, certifications, etc.

$106,900 - $147,000 per year

This job is eligible for a bonus incentive plan. This incentive opportunity is based upon company and/or individual performance.

**Description of Benefits**

Humana, Inc. and its affiliated subsidiaries (collectively, “Humana”) offers competitive benefits that support whole-person well-being. Associate benefits are designed to encourage personal wellness and smart healthcare decisions for you and your family while also knowing your life extends outside of work. Among our benefits, Humana provides medical, dental and vision benefits, 401(k) retirement savings plan, time off (including paid time off, company and personal holidays, volunteer time off, paid parental and caregiver leave), short-term and long-term disability, life insurance and many other opportunities.

Application Deadline: 04-29-2025

**About us**

Humana Inc. (NYSE: HUM) is committed to putting health first – for our teammates, our customers and our company. Through our Humana insurance services and CenterWell healthcare services, we make it easier for the millions of people we serve to achieve their best health – delivering the care and service they need, when they need it. These efforts are leading to a better quality of life for people with Medicare, Medicaid, families, individuals, military service personnel, and communities at large.

**Equal Opportunity Employer**

It is the policy of Humana not to discriminate against any employee or applicant for employment because of race, color, religion, sex, sexual orientation, gender identity, national origin, age, marital status, genetic information, disability or veteran status. It is also the policy of Humana to take affirmative action to employ and to advance in employment, all persons regardless of race, color, religion, sex, sexual orientation, gender identity, national origin, age, marital status, genetic information, disability or protected veteran status, and to base all employment decisions only on valid job requirements. This policy shall apply to all employment actions, including but not limited to recruitment, hiring, upgrading, promotion, transfer, demotion, layoff, recall, termination, rates of pay or other forms of compensation and selection for training, including apprenticeship, at all levels of employment.

Humana complies with all applicable federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, sex, sexual orientation, gender identity or religion. We also provide free language interpreter services. See our https://www.humana.com/legal/accessibility-resources?source=Humana_Website.

**JOB DESCRIPTION**

**Job Summary**

Manages a process that blends standard actuarial modeling, medical economics, and financial reporting and analytics. Analyzes data for cost savings opportunities and performance improvement initiatives. Evaluates healthcare utilization and claims experience to identify areas of growth in coordination with health plan operational management. Collaborates with the Kentucky Finance, and corporate actuarial teams on IBNR calculations, capitation rate review, rate advocacy, and forecasting.

**Job Duties**

+ Collaborate with Actuarial staff to perform IBNR estimates and rate adequacy studies.

+ Analyze results to identify early signs of trends or other issues related to medical care cost.

+ Design and perform actuarial studies related to medical care costs and trends.

+ Research and develop reports and analysis for senior management, effectively presenting and communicating results.

+ Works closely with operational management to identify saving opportunities and areas of medical utilization concerns.

+ Provide support to financial closing process regarding estimated settlements and risk corridor calculations.

+ Pricing and tracking of capitation arrangements.

+ Stay abreast of professional developments and industry trends.

+ Provide guidance and mentorship to staff member.

**JOB QUALIFICATIONS**

**REQUIRED EDUCATION:**

Bachelor’s Degree

**REQUIRED EXPERIENCE/KNOWLEDGE, SKILLS & ABILITIES:**

Minimum 6 years of experience in addition to leadership experience

**REQUIRED LICENSE, CERTIFICATION, ASSOCIATION:**

Must have passed at least 4 actuarial exams.

**PREFERRED LICENSE, CERTIFICATION, ASSOCIATION:**

ASA or near ASA

To all current Molina employees: If you are interested in applying for this position, please apply through the intranet job listing.

Molina Healthcare offers a competitive benefits and compensation package. Molina Healthcare is an Equal Opportunity Employer (EOE) M/F/D/V.

\#PJCorp

\#LI-AC1

Pay Range: $88,453 - $172,484 / ANNUAL

*Actual compensation may vary from posting based on geographic location, work experience, education and/or skill level.

Human Capital

The Human Capital Offering Portfolio focuses on helping organizations manage and sustain their performance through their most important asset: their people. Centered on five core issues, this Portfolio signifies to the market that we see Human Capital as a topic critical to the C-Suite. As we go-to-market we will show our clients that we serve more than HR organizations - from the CEO to CFO, Risk Manager to Business Unit leader-and that we deliver on our issues and help create value for our clients.

Actuarial & Insurance Solutions

Deloitte's Actuarial & Insurance Solutions practice works with finance, actuarial, and risk functions to help life insurance companies, property & casualty insurance companies, health plans, and healthcare providers modernize their operations and manage actuarial costs and risks. This involves helping our clients move from where they are today to where they need to be in the future. To enable our success, we use data and insights to inform better ways of managing risk.

With over 250 credentialed actuaries in the U.S., our A&IS practice is one of the largest in the world. We are recognized as a leader in providing comprehensive, high-quality actuarial consulting, advanced analytics, and risk management services to our clients.

Recruiting for this role will end on 2/28/2025

Work you'll do

As a Deloitte Consulting P&C Actuary Manager in the Insurance practice of Deloitte's Human Capital group, you will provide technical and analytical support in a consulting environment.

The job functions include the following:

+ Client project engagements involving reserve analyses, including Statements of Actuarial Opinion, pricing, mergers and acquisitions, financial modeling, economic capital modeling, enterprise risk management, new product development, strategic planning, pricing strategy development, target market assessments, competitive assessments of coverage and rating, development of rating models and factors for new product development and product enhancements, profitability analysis and audit support.

+ Will also be involved in market and technical research, data resource and tool development, recruiting, training, and strategic planning.

+ May lead medium to large sized teams.

Required Qualifications:

+ Bachelor's degree

+ 6+ years of P&C Actuary experience

+ Successfully passed 5 actuarial exams

+ Limited immigration sponsorship may be available.

+ Ability to travel 0-50%, on average, based on the work you do and the clients and industries/sectors you serve.

Preferred:

+ Experience working in an insurance company or consulting environment

+ Experience leading medium to large sized teams

+ Proficiency using computer software such as Excel, Word, Access, and VBA

+ Strong analytical, written and verbal communication, and client management skills

+ Enthusiasm for serving clients and helping to further develop our consulting practice

+ Strong business ethics, ability to maintain independence and objectivity in client dealings

+ Demonstrated problem solving skills

+ Detailed exposure demonstrating competency with strong organizational skills and areas of:

+ Statutory/GAAP reporting, regulation, and compliance, Actuarial Standards of Practice

+ SAP, FASB, GASB and related accounting principles

+ Standard and advanced reserving methods

+ Pricing and cost allocation methods

+ Insurance/reinsurance company operations

+ Product development

+ Data sources/modeling

Information for applicants with a need for accommodation: https://www2.deloitte.com/us/en/pages/careers/articles/join-deloitte-assistance-for-disabled-applicants.html

Possible Locations: Atlanta, Austin, Baltimore, Birmingham, Boca Raton, Boise, Boston, Charlotte, Chicago, Cincinnati, Cleveland, Columbus, Costa Mesa, Dallas, Davenport, Dayton, Denver, Des Moines, Detroit, Fort Worth, Fresno, Grand Rapids, Harrisburg, Hartford, Houston, Indianapolis, Jacksonville, Jersey City, Kansas City, Las Vegas, Los Angeles, Louisville, McLean, Memphis, Miami, Midland, Minneapolis, Morristown, Nashville, New Orleans, New York, Philadelphia, Pittsburgh, Portland, Princeton, Raleigh, Richmond, Rochester, Rosslyn, Sacramento, Salt Lake City, San Diego, San Francisco, San Jose, Seattle, St. Louis, Stamford, Tampa, Tempe, Tulsa, Washington DC

The wage range for this role takes into account the wide range of factors that are considered in making compensation decisions including but not limited to skill sets; experience and training; licensure and certifications; and other business and organizational needs. The disclosed range estimate has not been adjusted for the applicable geographic differential associated with the location at which the position may be filled. At Deloitte, it is not typical for an individual to be hired at or near the top of the range for their role and compensation decisions are dependent on the facts and circumstances of each case. A reasonable estimate of the current range is $151,000 to $253,000.

You may also be eligible to participate in a discretionary annual incentive program, subject to the rules governing the program, whereby an award, if any, depends on various factors, including, without limitation, individual and organizational performance.

For more information about Human Capital, visit our landing page at: https://www2.deloitte.com/us/en/pages/careers/articles/join-deloitte-human-capital-consulting-jobs.html

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability or protected veteran status, or any other legally protected basis, in accordance with applicable law.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability or protected veteran status, or any other legally protected basis, in accordance with applicable law.

Human Capital

The Human Capital Offering Portfolio focuses on helping organizations manage and sustain their performance through their most important asset: their people. Centered on five core issues, this Portfolio signifies to the market that we see Human Capital as a topic critical to the C-Suite. As we go-to-market we will show our clients that we serve more than HR organizations - from the CEO to CFO, Risk Manager to Business Unit leader-and that we deliver on our issues and help create value for our clients.

Actuarial & Insurance Solutions

Deloitte's Actuarial & Insurance Solutions practice works with finance, actuarial, and risk functions to help life insurance companies, property & casualty insurance companies, health plans, and healthcare providers modernize their operations and manage actuarial costs and risks. This involves helping our clients move from where they are today to where they need to be in the future. To enable our success, we use data and insights to inform better ways of managing risk.

With over 250 credentialed actuaries in the U.S., our A&IS practice is one of the largest in the world. We are recognized as a leader in providing comprehensive, high-quality actuarial consulting, advanced analytics, and risk management services to our clients.

Recruiting for this role will end on 2/28/2025

Work you'll do

As a Deloitte Consulting P&C Actuary Senior Consultant in the Insurance practice of Deloitte's Human Capital group, you will provide technical and analytical support in a consulting environment.

The job functions include the following:

+ Client project engagements involving reserve analyses, including Statements of Actuarial Opinion, pricing, mergers and acquisitions, financial modeling, economic capital modeling, enterprise risk management, new product development, strategic planning, pricing strategy development, target market assessments, competitive assessments of coverage and rating, development of rating models and factors for new product development and product enhancements, profitability analysis and audit support.

+ Assistance in financial management of client engagements, project management through utilization of project management tools.

+ Oversight and project management of more junior actuaries and staff work streams.

+ Gathering and analyzing data, assisting in development of proposals and collateral marketing and sales materials, and knowledge management.

Required Qualifications:

+ Bachelor's degree

+ 4+ years of property and casualty actuary experience

+ Successfully passed 4 actuarial exams

+ Limited immigration sponsorship may be available

+ Ability to travel 0-50%, on average, based on the work you do and the clients and industries/sectors you serve.

Preferred Qualifications:

+ Experience managing small sized teams

+ Knowledge of loss reserving methods

+ Proficiency using computer software such as Excel, Word, Access, and VBA

+ Strong analytical, written and verbal communication, and client management skills

+ Effective listening and questioning skills

+ Strong business ethics, ability to maintain independence and objectivity in client dealings

+ Demonstrated problem solving skills

+ Detailed exposure demonstrating competency with strong organizational skills and little supervision in the areas of:

+ Statutory/GAAP reporting, regulation, and compliance, Actuarial Standards of Practice

+ SAP, FASB, GASB and related accounting principles

+ Standard and advanced reserving methods

+ Pricing and cost allocation methods

+ Insurance/reinsurance company operations

+ Product development

+ Data sources/modeling

Information for applicants with a need for accommodation: https://www2.deloitte.com/us/en/pages/careers/articles/join-deloitte-assistance-for-disabled-applicants.html

Possible Locations: Atlanta, Austin, Baltimore, Birmingham, Boca Raton, Boise, Boston, Charlotte, Chicago, Cincinnati, Cleveland, Columbus, Costa Mesa, Dallas, Davenport, Dayton, Denver, Des Moines, Detroit, Fort Worth, Fresno, Grand Rapids, Harrisburg, Hartford, Houston, Indianapolis, Jacksonville, Jersey City, Kansas City, Las Vegas, Los Angeles, Louisville, McLean, Memphis, Miami, Midland, Minneapolis, Morristown, Nashville, New Orleans, New York, Philadelphia, Pittsburgh, Portland, Princeton, Raleigh, Richmond, Rochester, Rosslyn, Sacramento, Salt Lake City, San Diego, San Francisco, San Jose, Seattle, St. Louis, Stamford, Tampa, Tempe, Tulsa, Washington DC

The wage range for this role takes into account the wide range of factors that are considered in making compensation decisions including but not limited to skill sets; experience and training; licensure and certifications; and other business and organizational needs. The disclosed range estimate has not been adjusted for the applicable geographic differential associated with the location at which the position may be filled. At Deloitte, it is not typical for an individual to be hired at or near the top of the range for their role and compensation decisions are dependent on the facts and circumstances of each case. A reasonable estimate of the current range is $124,000 to $208,000.

You may also be eligible to participate in a discretionary annual incentive program, subject to the rules governing the program, whereby an award, if any, depends on various factors, including, without limitation, individual and organizational performance.

For more information about Human Capital, visit our landing page at: https://www2.deloitte.com/us/en/pages/careers/articles/join-deloitte-human-capital-consulting-jobs.html

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability or protected veteran status, or any other legally protected basis, in accordance with applicable law.

**Why USAA?**

At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families.

Embrace a fulfilling career at USAA, where our core values – honesty, integrity, loyalty and service – define how we treat each other and our members. Be part of what truly makes us special and impactful.

**The Opportunity**

**The Opportunity**

As a dedicated Actuarial Analyst II, you will be an experienced analyst responsible for independently applying actuarial methodologies to complete structured projects and serves as a technical subject matter expert on assigned tasks.

We offer a flexible work environment that requires an individual to be **in the office 4 days per week.** This position can be based in one of the following locations: San Antonio, TX, Plano, TX, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, or Tampa, FL. Relocation assistance is **not** available for this position.

**What you'll do:**

+ Independently apply actuarial methodologies to complete structured projects (e.g.,

+ Build tools to test and implement new methodologies that improve accuracy of actuarial analysis; utilizes model results to select new variables and refresh existing variables in a rating algorithm; analyzes results from multiple methodologies to propose reserve selections and documenting rationale).

+ Identify and improves existing processes utilizing actuarial, mathematical, or statistical techniques.

+ Proactively resolve technical issues and identifies appropriate issues for escalation.

+ Assists others with troubleshooting issues.

+ Create instructions and training materials for actuarial tools and processes.

+ Mentor new team members.

+ Apply business acumen to provide actionable insights that help solve business problems.

+ Effectively communicate insights and solutions to broad audiences including actuarial and non-actuarial stakeholders.

+ Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

**What you have:**

+ Bachelor’s degree; OR 4 years of related Actuarial/business/analytical experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.

+ 2 years of Actuarial or analytical business experience.

+ 3 Casualty Actuarial Society (CAS) exams.

+ Experience with relevant actuarial, mathematical, and statistical techniques and approaches used to support fact-based decision-making.

+ Intermediate knowledge of data analysis tools, data visualization, developing analysis queries and procedures in Python, R, SQL, SAS, BI tools or other analysis software, and relevant industry data & methods and ability to connect technical insights to business problems.

**What sets you apart:**

+ Ability to effectively communicate insights and solutions to broad audiences including actuarial and non-actuarial stakeholders

+ Personal and/or specialty lines pricing experience

+ US military experience through military service or a military spouse/domestic partner

The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.

**What we offer:**

**Compensation:** USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. The salary range for this position is: $74,210 - $141,830 **.**

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

**Benefits:** At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals.

For more details on our outstanding benefits, please visit our benefits page on USAAjobs.com.

**Compensation:** USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location.

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.

**Benefits:** At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals.

For more details on our outstanding benefits, visit our benefits page on USAAjobs.com.

_Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting._

_USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran._

**If you are an existing USAA employee, please use the internal career site in OneSource to apply.**

**Please do not type your first and last name in all caps.**

**_Find your purpose. Join our mission._**

USAA is unlike any other financial services organization. The mission of the association is to facilitate the financial security of its members, associates and their families through provision of a full range of highly competitive financial products and services; in so doing, USAA seeks to be the provider of choice for the military community. We do this by upholding the highest standards and ensuring that our corporate business activities and individual employee conduct reflect good judgment and common sense, and are consistent with our core values of service, loyalty, honesty and integrity.

USAA attributes its long-standing success to its most valuable resource: our 35,000 employees. They are the heart and soul of our member-service culture. When you join us, you'll become part of a thriving community committed to going above for those who have gone beyond: the men and women of the U.S. military, their associates and their families. In order to play a role on our team, you don't have to be connected to the military yourself – you just need to share our passion for serving our more than 13 million members.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

California applicants, please review our HR CCPA - Notice at Collection (https://statmcstg.usaa.com/mcontent/static\_assets/Media/enterprise\_hr\_cpra\_notice\_at\_collection.pdf) here.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

**Position Overview:**

As an Evernorth Accountable Care (ENAC) Economics Advisor, you will perform analytics that advance value-based care models with both provider groups and payer clients (including Cigna Healthcare) to ultimately drive greater economic value and improved quality outcomes for patients, providers and employer clients. You will be responsible for driving the financial performance for 2-3 Risk Bearing Entities (RBEs). You will develop reporting to optimize the value created within each local market and will support the development of new models for capturing value within the Enterprise. You will actively partner with Network Contracting, Finance, Strategy, IT, Data and Analytics, and provider partners to advance the financial performance of our business. The ideal candidate is adept at operating across the organization to create solutions, is energized by a “start from scratch” opportunity, is curious, is an analytical and strategic thinker, is comfortable shaping structure from ambiguity, is able to inspire and mobilize others, and is passionate about creating innovative solutions that expand access to high quality care and improve affordability.

**Key Responsibilities:**

+ Execute fast paced and in-depth analytics. Synthesize complex data into actionable insights. Iterate and support ongoing business needs with quality analytics.

+ Identify opportunities to maximize the financial performance of the RBEs. Set appropriate KPIs, including rate targets, value-based contract parameters, referral targets, and utilization targets. Project impacts of execution against targets.

+ Develop, maintain, and refine a suite of Power BI and Tableau dashboards that allows the team to identify high-value opportunities and create operational strategies that improve the financial performance of each RBE.

+ Own all data and analytics to support the relationship with primary care partners in 2-3 new markets.

+ Partner with local care coordinators to maximize population health. Synthesize and communicate opportunities and outcomes in meaningful and comprehensible way.

+ Develop a deep understanding of local market nuances, including provider and facility dynamics, competitive landscape of payers, and competitive landscape of value-based care (VBC) in the market.

+ Identify providers for inclusion in the local specialist/ancillary network.

+ Support Network Contracting in establishing value-based contracts and identifying opportunities to accelerate contracted providers along the value-based continuum.

+ Provide support to the Finance and Strategy teams in creating financial forecasts.

+ Identify opportunities to create new VBC relationships or expand existing VBC relationships. Support expansion efforts with analytics and strategic insights.

**Qualifications:**

_This position requires strong healthcare specific data and analytics skills, healthcare and insurance content knowledge, communication skills, technical skills across platforms, and project management._

+ 4+ years of hands on experience in healthcare specific analytics, finance, and/or actuarial/underwriting

+ Bachelors degree required

+ Masters in Business Administration or equivalent advanced degree OR pursuit of/achievement of Associateship or Fellowship of the Society of Actuaries is strongly preferred

+ Advanced expert in Excel

+ Working knowledge in querying language and tools including (but not limited to) R Studio, SAS, SQL, Teradata, Databricks, and Hadoop

+ Experienced in data visualization/platform through Tableau, Power BI, R, Python, and/or VBA

+ Commercial health plan experience strongly preferred; additional Medicare Advantage experience is a plus

+ Ability to navigate and contribute within a highly-matrixed environment

+ Go-getter who enjoys problem solving and creating innovative solutions

+ Thrives in a dynamic, rapidly changing, and ambiguous environment

If you will be working at home occasionally or permanently, the internet connection must be obtained through a cable broadband or fiber optic internet service provider with speeds of at least 10Mbps download/5Mbps upload.

For this position, we anticipate offering an annual salary of 109,400 - 182,300 USD / yearly, depending on relevant factors, including experience and geographic location.

This role is also anticipated to be eligible to participate in an annual bonus plan.

We want you to be healthy, balanced, and feel secure. That’s why you’ll enjoy a comprehensive range of benefits, with a focus on supporting your whole health. Starting on day one of your employment, you’ll be offered several health-related benefits including medical, vision, dental, and well-being and behavioral health programs. We also offer 401(k) with company match, company paid life insurance, tuition reimbursement, a minimum of 18 days of paid time off per year and paid holidays. For more details on our employee benefits programs, visit Life at Cigna Group .

**About Evernorth Health Services**

Evernorth Health Services, a division of The Cigna Group, creates pharmacy, care and benefit solutions to improve health and increase vitality. We relentlessly innovate to make the prediction, prevention and treatment of illness and disease more accessible to millions of people. Join us in driving growth and improving lives.

_Qualified applicants will be considered without regard to race, color, age, disability, sex, childbirth (including pregnancy) or related medical conditions including but not limited to lactation, sexual orientation, gender identity or expression, veteran or military status, religion, national origin, ancestry, marital or familial status, genetic information, status with regard to public assistance, citizenship status or any other characteristic protected by applicable equal employment opportunity laws._

_If you require reasonable accommodation in completing the online application process, please email:_ [email protected]_ _for support. Do not email_ [email protected]_ _for an update on your application or to provide your resume as you will not receive a response._

_The Cigna Group has a tobacco-free policy and reserves the right not to hire tobacco/nicotine users in states where that is legally permissible. Candidates in such states who use tobacco/nicotine will not be considered for employment unless they enter a qualifying smoking cessation program prior to the start of their employment. These states include: Alabama, Alaska, Arizona, Arkansas, Delaware, Florida, Georgia, Hawaii, Idaho, Iowa, Kansas, Maryland, Massachusetts, Michigan, Nebraska, Ohio, Pennsylvania, Texas, Utah, Vermont, and Washington State._

_Qualified applicants with criminal histories will be considered for employment in a manner consistent with all federal, state and local ordinances._

**Become a part of our caring community and help us put health first**

The Lead Actuary supports critical tool/data infrastructure projects including capitation data improvement and value based projection model enhancements to address regulatory requirements and enhance the pricing/forecasting process. Establishes metrics, provides data analyses, and works directly to support business intelligence. The Lead Actuary works on problems of diverse scope and complexity ranging from moderate to substantial.

The Lead Actuary ensures data integrity by developing and executing necessary processes and controls around the flow of data. Collaborates with stakeholders to understand business needs/issues, troubleshoots problems, conducts root cause analysis, and develops cost effective resolutions for data anomalies. Advises executives to develop functional strategies (often segment specific) on matters of significance. Exercises independent judgment and decision making on complex issues regarding job duties and related tasks, and works under minimal supervision, Uses independent judgment requiring analysis of variable factors and determining the best course of action. The Lead Actuary will support identification and implementation of infrastructure enhancements and new capabilities to support staying ahead of regulatory mandated changes, business driven needs, and capacity for expansion focus on support of evaluations of value based contracting and reporting. Key focus on creating capacity through efficiency in existing processes including robust changes to infrastructure of existing tools/pricing methodology.

**Use your skills to make an impact**

**Required Qualifications**

+ Bachelor's Degree

+ FSA, recent and relevant work experience, and/or other relevant professional designations.

+ MAAA

+ Strong communication skills

+ Strong organizational and planning skills

+ Strong technical skills, expertise in SQL and VBA

**Preferred Qualifications**

+ Proficient in infrastructure design and management

**Scheduled Weekly Hours**

40

**Pay Range**

The compensation range below reflects a good faith estimate of starting base pay for full time (40 hours per week) employment at the time of posting. The pay range may be higher or lower based on geographic location and individual pay will vary based on demonstrated job related skills, knowledge, experience, education, certifications, etc.

$129,300 - $177,800 per year

This job is eligible for a bonus incentive plan. This incentive opportunity is based upon company and/or individual performance.

**Description of Benefits**

Humana, Inc. and its affiliated subsidiaries (collectively, “Humana”) offers competitive benefits that support whole-person well-being. Associate benefits are designed to encourage personal wellness and smart healthcare decisions for you and your family while also knowing your life extends outside of work. Among our benefits, Humana provides medical, dental and vision benefits, 401(k) retirement savings plan, time off (including paid time off, company and personal holidays, volunteer time off, paid parental and caregiver leave), short-term and long-term disability, life insurance and many other opportunities.

Application Deadline: 04-29-2025

**About us**

Humana Inc. (NYSE: HUM) is committed to putting health first – for our teammates, our customers and our company. Through our Humana insurance services and CenterWell healthcare services, we make it easier for the millions of people we serve to achieve their best health – delivering the care and service they need, when they need it. These efforts are leading to a better quality of life for people with Medicare, Medicaid, families, individuals, military service personnel, and communities at large.

**Equal Opportunity Employer**

It is the policy of Humana not to discriminate against any employee or applicant for employment because of race, color, religion, sex, sexual orientation, gender identity, national origin, age, marital status, genetic information, disability or veteran status. It is also the policy of Humana to take affirmative action to employ and to advance in employment, all persons regardless of race, color, religion, sex, sexual orientation, gender identity, national origin, age, marital status, genetic information, disability or protected veteran status, and to base all employment decisions only on valid job requirements. This policy shall apply to all employment actions, including but not limited to recruitment, hiring, upgrading, promotion, transfer, demotion, layoff, recall, termination, rates of pay or other forms of compensation and selection for training, including apprenticeship, at all levels of employment.

Humana complies with all applicable federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, sex, sexual orientation, gender identity or religion. We also provide free language interpreter services. See our https://www.humana.com/legal/accessibility-resources?source=Humana_Website.