Summary
Overview
Work History
Education
Skills
Timeline
Generic

Natacha Cidey

Deerfield Beach,FL

Summary

Licensed Life and Health Insurance Agent. Self-motivated, organized and responsible. An expert in time management skills, prioritizing task efficiently, meeting deadlines and great customer service skills. Dedicated to maintaining a reputation built on quality, service, and uncompromising ethics, with a strong grasp of cultural differences. I’m bilingual, fluent in creole/French. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.

Overview

8
8
years of professional experience

Work History

Protect Health Insurance

Sales Agent
Remote, FL
2023.Aug - Current
  • Experienced with Affordable Care Act Health Insurance sales
  • Enhanced customer satisfaction by providing efficient and accurate information about health insurance policies.
  • Strengthened relationships with clients by conducting follow-up calls and addressing their concerns promptly.
  • Streamlined the application process by maintaining organized records of client documents and policy details.
  • Boosted customer retention rates through exceptional service and prompt resolution of issues related to claims or billing inquiries.
  • Assisted clients in navigating complex healthcare regulations, clarifying their options for optimal plan selection.
  • Educated prospective customers about the benefits of different health insurance plans, assisting them in making informed decisions based on their needs and budget constraints.
  • Contributed to team goals by consistently meeting or exceeding established sales targets for health insurance plans sold per month.
  • Developed a strong referral network among satisfied clients, resulting in increased leads and new business opportunities.
  • Supported colleagues with expert advice and guidance on complex cases, sharing knowledge and promoting teamwork to achieve overall company success.
  • Maintained compliance with state licensing requirements and professional standards for health agents, upholding the highest ethical practices within the industry.
  • Adhered to HIPAA and other compliance standards with all information and activities.
  • Answered inbound calls from existing and future policyholders to answer inquiries and discuss insurance options.
  • Performed needs analysis to obtain information required to make appropriate health insurance product recommendations.
  • Educated clients on insurance policies and procedures.
  • Worked with sales team to collaboratively reach targets, consistently meeting or exceeding personal quotas.
  • Collected premiums on or before effective date of coverage.

Medicare Insurance Sales Agent

HPOne
08.2021 - 08.2023
  • Generated quotes and proposals for clients to match individual needs.
  • Provided comprehensive product knowledge and guidance to help clients on product selection.
  • Cultivated relationships with clients to identify and meet insurance needs and establish trust and rapport.
  • Followed up promptly with interested clients to close sales.
  • Sought out new clients and developed client relationships through networking, direct referrals, lead databases, and cold calling.
  • Recommended type and amount of coverage based on analysis of customers' circumstances using persuasive sales techniques.
  • Met with prospective clients to discuss insurance needs and provide solutions.
  • Registered customer information on database to enable tracking history and maintain accurate records.
  • Customized existing insurance programs to suit individual client needs by analyzing specific requirements.
  • Attended industry conferences to stay informed of latest products and trends.
  • Educated clients on insurance policies and procedures.
  • Analyzed customer needs to provide customized insurance solutions.
  • Determined financial needs by assessing existing coverage and aligning new products and services with long-term goals.
  • Communicated with people from various cultures and backgrounds on application process
  • Scheduled appointments with applicants to gather information and explain benefits processes

Benefit Counselor (Bilingual)

Winston Benefits/Brown & Brown, GIS
01.2019 - Current
  • Experience in industry enrollments with school systems, manufacturing, hospitals, assisted living/nursing homes and more
  • Core benefits such as medical, dental, vision, employer paid life insurance, flexible-spending accounts, health saving accounts
  • Voluntary Benefits such as whole life, universal life, term life, accidental, critical illness/cancer, disability, legal plans and identity theft protection
  • Enrollment systems Selerix, TBX and Benefit Focus
  • Provide virtual retention and enrollment assistance to enrollees
  • Receive inbound interactions from enrollees
  • Make outbound calls as needed
  • Q&A support: Educate workers on benefits provided, answer any questions enrollees may have on the enrollment offer
  • Retention support: Educate enrollees on current benefits
  • Checked employees' benefits enrollment for accuracy and inputted all data into multiple software.
  • Explained benefits to plan participants in easy to understand terms in order to educate each on available options.
  • Resolved issues and inquiries from plan participants regarding health and welfare benefits and deductions through telephone, email, and in-person interactions.
  • Implemented open enrollment system to streamline benefits processes for employees.

Coder

ARMC
01.2016 - 01.2019
  • Billed and coded ambulatory hospital services, physician, and ancillary charges to assure proper billing and reimbursement
  • 50% of the day coding up to 90 – 100 charts daily
  • The Specialty we code for are mental health and substance abuse, which includes but not limited to Detox, Residential, Inpatient Hospitalization, Intensive outpatient and Outpatient including ancillary charges such as chiropractor, physical therapy, massage therapy, music and art therapy and physician services (breathalyzer and urine culture (12 panel and 24 panel)) with an accuracy rate of 97% .Reviewed charts for quality insurance
  • Interpret medical records to determine medical necessity for appeals with physician, insurance companies and doctor’s offices
  • Assure all diagnosis codes and HCPS codes are coded to the highest specification levels with the update of LCD’s and NCD’s
  • Delegate responsibilities, accordingly, handle all clients concerns, manage and assist my team and guide them with proactive decisions
  • Communicate with facilities clinical directors and doctors to obtain sensitive information that will acutely put the patient in the right level of care.
  • Applied official coding conventions and rules from American Medical Association and Centers for Medicare and Medicaid Services to assign diagnostic codes
  • Reviewed patient charts to better understand health histories, diagnoses, and treatments

Education

Licensed Life and Health Agent Certified Coding Specialist Certified Professional Coder -

Skills

  • Knowledgeable of insurance medical guidelines, HIPAA, Medicaid & Medicare regulations,
  • Experience in industry enrollments with school systems, manufacturing, hospitals, assisted living/nursing homes and more Core benefits such as medical, dental, vision, employer paid life insurance, flexible-spending accounts, health saving accounts Voluntary Benefits such as whole life, universal life, term life, accidental, critical illness/cancer, disability, legal plans and identity theft protection Enrollment systems Selerix, TBX and Benefit Focus
  • Contract Review and Analysis
  • Account Management
  • Customer Retention
  • New Business Development
  • Account Retention
  • Sales Tracking
  • Client Account Management

Timeline

Protect Health Insurance

Sales Agent
2023.Aug - Current

Medicare Insurance Sales Agent

HPOne
08.2021 - 08.2023

Benefit Counselor (Bilingual)

Winston Benefits/Brown & Brown, GIS
01.2019 - Current

Coder

ARMC
01.2016 - 01.2019

Licensed Life and Health Agent Certified Coding Specialist Certified Professional Coder -

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