Experience

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  Self Employed

  • Cleveland and Akron Ohio

  • Medicare Marketing Rep

    • Jan 2011 - Present
    • Cleveland and Akron Ohio

    I work mostly with low income Medicare beneficiaries, people who are "dual eligible" who qualify for both Medicare and Medicaid and those who are eligible for low income subsidies for their part D prescription drugs. This is an under served market that many agents do not work because those people do not have any money for cross selling other insurance products. But it can be rewarding both financially and professionally. I find it easier to self generate leads and clients in this market through community events at local food pantries and other locations where low income people gather. I also build networks with community organizations serving that population as well. I also work to build relationships with mental health organizations since those case managers are often the payees and authorized representatives for their clients. I represent most of the major companies in my area; UnitedHealthCare, Anthem, Aetna, Coventry and Humana. I do most of my business with Medicare Advantage plans and about 2/3 of my business is a special needs plan for dual eligibles. All the MA plans I offer have zero monthly premium options and some offer PPO plans that offer out of network benefits. I also can sell Medicare supplements, but for many in the market I work cannot afford the premiums for a Medicare supplement. For them a zero premium Medicare Advantage plan is the only option other than just original Medicare. I also can offer life insurance including final expense insurance and guaranteed issue life insurance. I also offer long term care insurance and annuities to those who are interested and qualify. The next part of my business plan is to expand out of the low income markets and to work with a local law firm specializing in elder law to offer insurance products to those people who have a need for them.I also write a monthly column in a local newspaper on topics pertaining to the ACA and health insurance in general. I have attached copies of some recent columns.

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  Gateway Health Plan

  • Ohio and western PA

  • Medicare Marketing Rep

    • Dec 2007 - Dec 2010
    • Ohio and western PA

    Locate prospects who qualify for the company's Medicare plan, explain benefits and perform enrollment. Position also involved building networks with community organizations working with low income Medicare beneficiaries.

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  self employed

  • Cleveland Ohio area

  • Independent Employee Benefit Specialist

    • Jul 1997 - Nov 2007
    • Cleveland Ohio area

    • Conducted employee communication programs for businesses to help employees understand and appreciate their employer’s contribution to their benefit program.• Assisted companies in design and implementation of cost effective employee benefit plans. Experienced with group life, disability, and self-funding and alternate delivery systems. • Established and implemented section 125 plans and voluntary benefit arrangements• Helped establish and administer retirement plans, such as 401(K), SEP, and profit sharing plans.

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  Total Health Care

  • Cleveland Ohio

  • Marketing Representative

    • Sep 1996 - Jul 1997
    • Cleveland Ohio

    • Marketed HMO services to individuals, explained benefits and processed enrollment.

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  Self Employed

  • Cleveland Ohio

  • Independent Employee Benefit Specialist

    • Feb 1996 - Aug 1996
    • Cleveland Ohio

    • Conducted employee communication programs for businesses to help employees understand and appreciate their employer’s contribution to their benefit program.• Assisted companies in design and implementation of cost effective employee benefit plans. Experienced with group life, disability, and self-funding and alternate delivery systems. • Established and implemented section 125 plans and voluntary benefit arrangements• Helped establish and administer retirement plans, such as 401(K), SEP, and profit sharing plans.

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  The Sheakley Group

  • Cleveland/Akron, Ohio Area

  • Tax and Benefit Analyst

    • Apr 1995 - Feb 1996
    • Cleveland/Akron, Ohio Area

    • Worked with employers to reduce cost of workers compensation and unemployment compensation. Handled group and individual rating of Ohio Workers compensation.• Marketed administrative services for pensions, flexible benefits and self funded medical benefit plans.

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  Total Health Care

  • Cleveland Ohio

  • Marketing Representative

    • Jan 1995 - Apr 1995
    • Cleveland Ohio

    • Marketed HMO services to individuals, explained benefits and processed enrollment.

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  United Insurance Company

  • Cleveland Ohio

  • Sales Representative

    • Jul 1993 - Dec 1994
    • Cleveland Ohio

    • Sold and serviced individual life and property insurance.

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  Self Employed

  • Cleveland Ohio

  • Independent Employee Benefit Specialist

    • Mar 1987 - Jul 1993
    • Cleveland Ohio

    • Conducted employee communication programs for businesses to help employees understand and appreciate their employer’s contribution to their benefit program.• Assisted companies in design and implementation of cost effective employee benefit plans. Experienced with group life, disability, and self-funding and alternate delivery systems. • Established and implemented section 125 plans and voluntary benefit arrangements• Helped establish and administer retirement plans, such as 401(K), SEP, and profit sharing plans.

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  Kentucky Central Life

  • Lexington, Kentucky Area

  • Sales Manager

    • Oct 1986 - Mar 1987
    • Lexington, Kentucky Area

    • Recruiting, training and managing of multi line sales representatives.

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  Prudential Insurance Company

  • District Agent

    • Jan 1985 - Oct 1986

    • Sold and serviced individual and group life and health insurance, individual property and casualty insurance, mutual funds, variable and fixed annuities.

  • Sales Manager

    • Mar 1982 - Jan 1985

    • Responsible for the entire scope of operations for field offices in Asheville, NC and Spartanburg, SC including recruiting, training and managing up to thirteen people.• Organized and developed western North Carolina territory establishing a new field office in Asheville, NC which ranked in the top 25% of the company.• Developed and instituted a training program for new representatives resulting in a retention rate three times the industry norm and two achieving the industry’s highest honor in their first full year.• Increased production in Spartanburg, SC office by more than 100% in my first year as sales manager.

  • District Agent

    • Feb 1977 - Mar 1982

    • Led staff of nine agents three out of five years.• Received National Sales Achievement Award, National Quality Award. Member of International Honor Club, which represents the top 2% of the company’s sales, force.

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  Erie County Department of Human Services

  • Sandusky Ohio

  • Administrative Specialist

    • Jan 1973 - Feb 1977
    • Sandusky Ohio

    • Interviewed people applying for assistance and determined eligibility for various public assistance programs, including Medicaid.• Required extensive knowledge of regulations and the ability to communicate those effectively to the people affected.

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  Margaretta HIgh School

  • Castalia, Ohio

  • Science Teacher

    • Sep 1971 - Sep 1972
    • Castalia, Ohio

    Taught 9th and 10th grade general and physical science in a semi rural public high school

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  Cathedral Latin High School

  • Cleveland Ohio

  • Science teacher

    • Sep 1970 - Jun 1971
    • Cleveland Ohio

    Taught 11th and 12 grade earth science in a Catholic Boy's high school