TKI Navigators is an Independent Health Insurance agency serving people with Medicare in NJ and Pennsylvania. I am appointed with most of the carriers in the area offering Medicare Advantage, Medicare Supplement and Prescription Drug plans providing my clients access to a wide selection of plan options. As an independent broker I provide valuable education, support and excellent customer service with honesty and integrity.

Accountable for expanding the capabilities of Health IQ’s Medicare Advantage program and Precision Medicare platform to drive increased revenue, persistency and customer experience. Managing key strategic carrier relationships and development of new monetization opportunities.At Health IQ, our mission is to ensure that all seniors are seen and treated as unique individuals by the healthcare system. Health IQ is the only Medicare broker that uses your detailed health record and our AI platform to find a plan truly tailored to your needs

• Comprehensive accountability for the strategic development and execution of the Cigna Medicare Advantage business in the Mid-Atlantic and Pennsylvania region covering 5 states and the District of Columbia. Managing $1.2 billion in revenue for 80,000 HMO, PPO & SNP customers. Profit and Loss (P&L) accountability, Developing and driving local market Medicare strategy to meet growth and financial performance to support Cigna’s overall value proposition. Proven track record of success. Grown market membership by 28%, Revenue by 36%, expanded county footprint by 80%, increased annual sales by 234%

Develop and implement the strategic direction for Aetna's Individual Medicare Advantage Program in New Jersey. Profitably grow membership while delivering high quality affordable products. Identify new strategic partners who will lower costs and improve outcomes. Oversee product and marketing design and ensure compliant and timely submission to CMS. Monitor market performance and identify new revenue and claim improvement opportunities.

Forward thinking Product Manager with 10+ years of healthcare experience. Primarily focused on maximizing our product portfolio and bringing innovative products to market.

Monitor and analyze competitor rating and marketing strategies, changes to Medicare and ongoing Healthcare reform legislation to determine the risks and opprotunities to AARP Medicare Supplement Program managed by United Healthcare. Develope new rating, pricing and product strategies base on our analysis.

Analyze group medical, dental and life benefit plans and assess risk. Use established underwriting criteria and policies to provide proper product pricing. Negotiate and fully explain rate developments, pricing components and application of underwriting policies while remaining conscious of financial objectives. Evaluate and recommend alternative pricing options and plan design changes based on individual group characteristics. Participate in cross-departmental project work groups. (MMACT, Customer Loyalty Work Groups, and NERT PPO Roll out, various state audits / exams.)Collaborate and share information cross-functionally. Work with Actuarial, Standards Management Unit, Implementation, PSS, and all levels of Management to get the job done.Manage multiple tasks and effectively prioritizes work. Interact with and communicate technical concepts to internal and external constituents. Mentor less experienced underwriters in the development of their technical skills.Makes recommendations and suggests alternatives. Work on Groups from 125 - 3000 Subscribers. HMO & Traditional Platforms, ASC and Conventional Funding. Complete Medical, Stop Loss and Dental Underwriting and develop financial exhibits and documentation that enhance delivery.

Build and maintain a customer base through direct selling of equities, fixed income investments and retirement plans.Organize and participate in seminars, luncheons, and other prospecting and educational events.Developed personal financial plans.Create and implement an action plan to achieve our desired financial goals.