Summary
Overview
Work History
Skills
Certification
Languages
Timeline
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Norma  Muhlenbruch

Norma Muhlenbruch

Benefit Consultant
Oakley,CA

Summary

Experienced benefits consultant with strong focus on results. Skilled in benefits administration, compliance, and strategic planning. Known for effective team collaboration and adaptability to changing needs. Employers value reliability, analytical thinking, and communication skills.

Overview

13
13
years of professional experience
1
1
Certification

Work History

Senior Benefits Consultant

OneDigital
07.2022 - Current
  • Develops sophisticated benefit design and renewal strategies and drives the development of solutions to address complex client issues.
  • Works closely with account management and/or client service teams on pre-renewal strategy, RFP distribution, open enrollment strategy and post renewal analysis.
  • Determines the full scope of services to be provided to client.
  • Clearly establishes and communicates timelines with the client service team(s) and keeps them apprised of changes and renewal updates.
  • Maintains accountability for revenue and profitability for client accounts and projects and keeps all involved parties up to date.
  • Monitors the success of projects in terms of scope, budget, timeliness and client satisfaction.
  • Oversees the on-boarding of new clients by working collaboratively with client service team(s) to establish the implementation plan, team and timeline.
  • Ensures client service team(s) exceeds client expectations.
  • Grows book through cross-selling opportunities
  • Cultivates and maintains strong relationships with clients and carriers.
  • Establishes effective carrier/vendor relationships to serve clients in benefits procurement and administration.
  • Attends carrier events to remain up to date and knowledgeable of carrier plans and changes, as well as maintain strong relationships.
  • Maintains a full understanding of the insurance markets, funding alternatives, networks and benefit plan options
  • Ensures accuracy of client data in D365.
  • Remains fully knowledgeable on compliance issues governed by legislation and regulations impacting employer sponsored health and welfare plans such as HIPAA, ERISA, Tax Code SEC 125, PPACA and state sponsored health insurance exchanges.
  • Managed vendor relationships effectively, ensuring timely resolution of any issues or discrepancies related to benefits administration.

Account Manager II

NFP, Insurance Broker and Consulting
02.2020 - 07.2022
  • Oversees strategy, financial analysis, benefit design, plan renewals, bench-marking and service delivery
  • Develops sophisticated benefit design and renewal strategies and drives the development of solutions to address complex client issues
  • Works closely with account management and client service teams on pre renewal strategy, RFP distribution, open enrollment strategy and post renewal analysis
  • Facilitate the quoting process
  • Determines the full scope of services to be provided to client
  • Maintains accountability for revenue and profitability for client accounts and projects
  • Advise clients in reducing costs while offering competitive benefit options
  • Completes the on-boarding of new clients - establishing the implementation plan and timeline
  • Grows book through cross selling opportunities
  • (Ancillary-Dental, Vision, LTD, STD, Life)
  • Cultivates and maintains strong relationships with clients and carriers
  • Direct face to face strategy meetings with clients
  • Conducts on-site open enrollment meetings
  • (Bi-Lingual/Spanish)
  • Communicate and educate clients on latest trends, concerns and changes in the industry
  • Meet or Exceed retention goals as a department as established by the Sr
  • Account Executive
  • Maintains full understanding of the insurance markets, funding alternatives, networks, and benefit plan options

Associate Account Manager II

Kaiser Permanente / The Permanente Medical Group
09.2015 - 02.2020
  • Serve as interim senior account manager and manage2 books of business with over8,000 groups
  • Servicing1-100 lives
  • Develop business and broker relationships
  • Analyze data and alert account manager to outliers or potential problems
  • Develop strategy to assist senior account managers on face-time and open enrollment goals
  • Lead open enrollment meetings (both in Spanish and English) and provide market updates
  • Track, monitor, and ensure that contracts, pricing, and membership accounting have accurate information
  • Implement negotiated terms of the final renewal with a focus on business processes
  • Independently resolve complicated and sensitive employer-initiated concerns to build purchaser loyalty and retain membership
  • Participate in interregional account teams to coordinate moderately complex renewals and ensure creation of a single uniform presentation
  • Understand and implement account strategy, goals, and financial position for developing RFPs
  • Coordinate flow of information to keep process moving to meet strategic objectives
  • Identify situations that may signal opportunities for growth for KP and alert account manager

Health Plan Representative

Kaiser Permanente
06.2015 - 09.2015
  • Served as liaison between patient/member and KP in providing general assistance and education on how to utilize Kaiser system, resolve member complaints and grievances as efficiently as possible, and answer health plan related questions
  • Partnered with other departments such as Marketing & Health Education and attended community, employer, and KP events to ensure accurate information was provided to various clientele regarding KP services, benefits, and protocols
  • Researched, resolved, and communicated health plan coverage-related assistance for members
  • Assisted in design, development, and implementation of new programs and service improvements for members, providers, and facility personnel

Place Based Enroller II

Kaiser Permanente
09.2014 - 04.2015
  • Hosted bilingual seminars about Healthcare Reform and assisted individuals and families interested about learning more about Kaiser Permanente
  • Scheduled1-on-1 direct appointments with clients
  • Handled enrollments through Covered California and direct through Kaiser
  • Collaborated with Member Services staff to accomplish excellent customer service and successful enrollments
  • Educated members on requirements and plan coverage while providing exceptional service

Enroller II

Kaiser Permanente
06.2014 - 09.2014
  • Assisted account managers with large group bilingual presentations during the enrollment process

Medical Interpreter & Account Manager

AFLAC
06.2012 - 06.2014
  • Served as interpreter in the medical field for several agencies and brokerage insurance companies for employee presentations of benefit plans and health fairs
  • Also assisted in the enrollment process
  • Provided cultural input to help parties who did not speak similar languages communicate with and understand one another
  • Attended open enrollment meetings to provide accurate consecutive translations of conversations between members

Skills

  • Experienced in Microsoft Office (Excel, Outlook, PowerPoint, Word), Sales Force, Office365, TEAMS, Zoom, Skype, Salesforce, EASE Central, Amwinsconnect quoting system, benefitfitter quoting system, D365, myworkday, BrainShark, Employee Navigator, Rippling, GoCo, Gusto
  • Employee relations
  • Healthcare industry
  • Benefits administration
  • Verbal and written communication
  • Written and oral communication
  • Attention to detail
  • Relationship building
  • Benefits explanation
  • Special projects
  • New employee orientations
  • Termination procedures
  • Problem-solving

Certification

  • Current California Accident & Health License, #0F64529
  • Covered California Certified, #5000112143
  • Bi-Lingual Certified (QBS2-Medical Interpreter)

Languages

Spanish
Native or Bilingual

Timeline

Senior Benefits Consultant

OneDigital
07.2022 - Current

Account Manager II

NFP, Insurance Broker and Consulting
02.2020 - 07.2022

Associate Account Manager II

Kaiser Permanente / The Permanente Medical Group
09.2015 - 02.2020

Health Plan Representative

Kaiser Permanente
06.2015 - 09.2015

Place Based Enroller II

Kaiser Permanente
09.2014 - 04.2015

Enroller II

Kaiser Permanente
06.2014 - 09.2014

Medical Interpreter & Account Manager

AFLAC
06.2012 - 06.2014
Norma MuhlenbruchBenefit Consultant