Helping Blue Plans improve healthcare access, equity, and affordability. BHI is privately owned by the Blue Cross Blue Shield Association (BCBSA) and 17 of the nation’s Blue Plans, and we are solely focused on unlocking the power of our collective data assets to provide real and measurable impact to Plans nationwide. We help them drive value, pioneer the delivery of value-based care, improve outcomes, and eliminate inequities.Solutions include: Plan Performance Analytics, Cost Transparency (MRF), Employer Reporting, Provider Analytics, Risk Adjustment and Health Equity among others.My role is focused on adding net new product opportunities to existing Blues partners, as well as adding new Blues partnerships to our esteemed partner-plan list.

Target Industry: Healthcare Carriers, PEOs, Brokers, MGUs, Stop Loss...Gradient AI’s SaaS-licensed Artificial Intelligence solutions accurately provide insight into common blindspots when assessing Group Health insurance prospects, as well as renewal blocks of business. Beginning with a simple census, Gradient AI's solutions deliver de-identified insight into medical, pharmacy and specialty pharmacy claims as well as diagnosis triggers using SIIA's industry approved list. Our tools also offer high cost pharmacy information. All of this in 1 - 2 minutes. Without question, Gradient AI allows risk assessment for new business and renewal business to be faster, smarter and in the end provide the best return to your organization.

PEO VerticalResponsible to serve as primary strategic point of contact for 5 national PEO organizations. Total membership under my direction was ~35,000 members generating over $200M in annual premium.Primary objective: guide clients through annual renewal processes smoothly, balancing growing the total membership and market share with keeping the book of business running at a favorable MLR.

Client and broker facing position tasked with identifying key healthcare trends using extensive client data to target year over year and benchmark comparisons that support findings. Develop presentations and present and sell solutions to mitigate future excessive spend and chronic condition prevalence.• Anticipates customer needs and proactively develops solutions to meet them.• Serves as a key resource on complex and/or critical issues.• Gains client trust and sells comprehensive solutions to population health chronic condition trends.• Performs complex conceptual analyses.• Reviews work performed by others and provides recommendations for improvement.• Forecasts and plans resource requirements.• Participate in functional or segment teams or projects.• Provides explanations and information to others on the most complex issues.• Motivates and inspires other team members.

Medical, Dental, Vision, and Financial Protection products in the National Account business segment. Renewal and new business RFPs.Internal Affiliations:UHC Culture AmbassadorUHC Innovation AdvocateIntern Mentor - 2018Awards:9/2016 - Bravo Award - Amethyst Level7/2018 - Bravo Award - Amethyst Level

• Monthly Claims reporting on 50+ and self-funded / level-funded clients.• Develop client management system to integrate into current business structure.• RFP management on all 50+ life groups, as well as self-funded and level-funded groups.• Develop strong relationships with carrier sales reps.• Product expertise in group Medical, Dental, Life, Disability, Vision and all other ancillary lines of business.• Attend and/or lead client meetings with business C-Level executives and relevant staff to present claims analysis, renewal projections and address strategy concerns and opportunities.• Initiate on-going learning opportunities with carrier reps and insurance organizations (ie: PPACA, new products).

Regional (Middle) Market, 250 - 5000 lives, New England market 5/2014 - 4/2015. Tri-State market 5-2015 - present. Medical Pre sale and renewal accounts. Completed 3 month Regional Underwriting Training Program.1) Support the achievement of GC, Stop loss, EPB, and SR loss ratio results at or below target formarket and/or individual book of business.2) Support the achievement of meeting or exceeding market level net growth goals through X and Ygrowth while achieving strong persistency results.3) Increase overall value of portfolio both on a per case and in total basis vs. Plan for Market and/or individual book of business.4) Proactively develop internal and external relationships that leverage Underwriting expertise to deliver consultative solutions for clients.5) Actively engage with non-medical Underwriting matrix partners in setting case level strategies(CGI, Dental, Rx, Care Allies, Stop Loss, etc.)6) Meet assigned/negotiated deadlines for presales and renewals and ensure underwritingpackages are accurate and of the highest quality7) Stayed apprised of industry and market trends and work with matrix partners and producers toensure Cigna is effectively competing in the market.8) Pass all Business Practice Review audits Information protection Reviews to ensure compliance with SOX requirements and internal operating controls9) Contribute to divisional success through active participation in assigned projects and committeesas well as strive to serve as a subject matter expert and mentor within Underwriting and withexternal partners.10) Participation in Renewal Portfolio Strategy sessions, CE Training, CAP meetings, Renewal meetings and other Producer and Client meetings.

Group Medical underwriting for broker supporting the number one national PEO. Advanced knowledge of national carriers suites of plans for CT, MA, NH, RI, NY, NJ, PA, DC, VA, NC and FL. Specialize in CT, NY and NJ markets. Utilize insight into open market renewal increase trends to price plans competitively against incumbent plans, factoring in group demographics and for larger groups, claims experience. Negotiate tier adjustments with PEO sales managers based on business approach and quality of group. Always approach every quote with the highest levels of attention to detail, integrity and business acumen. Contribute to process outlining and enhancement, manage document organization and storage on Sharepoint. Contributing at increasing level of complexity and responsibility beginning at Analyst level, following a year of success began independently underwriting simple small business cases (7-50 lives). After proving ability to handle these am now (as of 1/1/2013) underwriting cases including our most complex groups involving renewal increase, market analysis and claims experience analysis and projection.

Licensed Property and Casualty Agent