Natasha Bailey

With over 18 years in the insurance industry — including 16 years in Subrogation and 13.5 years focused on recovery — I specialize in MedPay, Bodily Injury, and Personal Injury Protection claims. At Nationwide, I built a reputation for precision, strategic thinking, and results-driven recovery, consistently exceeding benchmarks while supporting a customer-first philosophy.

I managed 700+ complex medical recovery claims across eight jurisdictions, collaborating with legal counsel and internal teams to develop tailored recovery strategies. My expertise spans policy interpretation, state statute application, and high-impact negotiation.

As a Subject Matter Expert, I provided technical guidance on MedPay and PIP protocols, co-led peer training, and developed onboarding presentations that strengthened team proficiency and cross-functional collaboration. I was one of two peers who formally led live training sessions for our First Party Medical claims partners, while also helping create the supporting materials.

I thrive in environments that value compliance, innovation, and service excellence — and I’m passionate about driving measurable results through smarter recovery strategies and continuous process improvement.

Now actively expanding into Workers’ Compensation claims and recovery, I bring transferable expertise in medical coordination, litigation strategy, and jurisdictional nuance. I’m seeking opportunities where I can apply my leadership, training, and technical strengths to make a meaningful impact.

Nationwide Insurance

Claims Specialist II-Medical Recovery (Subrogation & Recovery)                 September 2012 – October 2025

• Managed 700+ complex BI, MedPay, and PIP recovery claims across commercial and personal auto policies in multiple jurisdictions, including liability disputes and multi-defendant scenarios; currently expanding into Workers’ Compensation through job shadowing and process study to support WC claim handling and jurisdictional strategy.
• Led comprehensive investigations to determine legal liability, interpret policy language, and apply jurisdiction-specific statutes to support aggressive recovery strategies.
• Secured $1.3 million annually in medical reimbursements by negotiating with adverse carriers and collaborating with attorneys during active BI claims to coordinate reimbursement to Nationwide.
• Partnered with attorneys, internal counsel, and front-line adjusters to clarify liability exposure, share jurisdictional insights, and coordinate post-settlement reimbursement strategies.
• Interpreted adverse carrier policy language to confirm coverage types, limits, and recovery eligibility across jurisdictions.
• Mentored first-party medical and recovery representatives; led Collect One training, developed interdepartmental presentations, and contributed real-time feedback during Claims Huddles to strengthen recovery consistency.
• Served as SME for MedPay and PIP recovery across eight states, advising peers on compliance, strategy, and jurisdictional nuances.
• Supported process improvement initiatives by identifying compliance gaps and recommending workflow enhancements.

Hamilton College-Cedar Falls, IA | A.A.S. in Business | 2004