Enrolled consumers in group health insurance after separation from their employer.
Monitored changes in healthcare laws and regulations to ensure compliance with current guidelines.
Researched complex issues related to plan design, eligibility, enrollment, and claim adjudication process.
Implemented new procedures for administering COBRA benefits in accordance with applicable laws.
Analyzed financial statements to identify if policies need to be terminated or reinstated.
Answered phone calls and emails from clients to address questions, complaints, and needs.
CUSTOMER CARE REPRESENTATIVE
Citizens Property Insurance
08.2020 - 04.2024
Demonstrated strong communication skills to interact with customers via phone, email and online chat. Provided excellent customer service, resolving inquiries and complaints in a timely manner.
Managed workload effectively by prioritizing tasks according to urgency or importance.
Maintain knowledge of insurance rates, insurance rules as well as procedures.
Provided guidance on claims processing procedures for clients seeking reimbursement.
Provided support during audits conducted by external organizations or regulatory bodies.
Identified potential risks associated with clients' property, assets, and liabilities. Conducted research to identify new markets for insurance products.
Prepared quotes and proposals based on clients' requirements and needs.
ADVOCATE IV - SERVICE ADVOCATE
Florida Blue
11.2012 - 08.2020
Provide a customer friendly service experience for customers with questions or issues related to health care, health insurance (benefits, claims, premium payments, membership, billing, and enrollment) or other related topics.
Handle all inquiries related to the following: the Federal Market Place, CMS, ACA Compliance rules, individual enrollment, billing, reconciliation.
Assist members / groups with Cobra regulations and guidelines.
Served as a “Universal” Service Advocate responding to inquires related to all segments including Medicare, Group, and Consumer (U65) across multiple functions (EM&B and Customer service)
Partner with agents and the Agent Service Center and participate in identification of root cause resolution for any outstanding issues
Resolve critical inquiries and ensure quality management of processes is in place.
Managed team projects by assigning tasks, setting deadlines and tracking progress.
Trained new employees on call center procedures, policies, and best practices.
Maintained up-to-date knowledge of healthcare products and services available at the facility in order to provide accurate answers to caller inquiries.
Utilized various software programs
Debt Collector
GC Services
07.2012 - 10.2013
Collected on delinquent accounts to reduce overdue balances.
Resolved customer disputes and disagreements through professional, calm communication to find mutually beneficial solutions.
Educated debtors about student loan repayment options, enabling them to make informed decisions while preserving positive business relationships.
Developed strong relationships with customers to foster timely payments and account resolution.
Negotiates arrangements with customer to bring accounts current.
Skip Tracing as required to locate customer contact information.
Prepares and submit Change in Terms processing.
FRAUD ANALYST
Incomm
02.2012 - 07.2013
Assist customers with handling gift card activation & utilization.
Evaluated customer data to identify and prevent fraudulent activities.
Performed risk assessments to determine level of fraud risk and prioritize investigations.
Tracked fraud cases and monitored trends to develop strategies for prevention.
Conducted thorough investigations on suspicious cases, ensuring timely resolution and minimizing financial impact.
Maintained up-to-date knowledge of regulations related to fraud prevention, ensuring compliance with relevant laws and guidelines.