Summary
Overview
Work History
Education
Skills
Accomplishments
Timeline
Generic

Veronica-Ann Garza

San Antonio,TX

Summary

Focused and dedicated insurance professional motivated to provide superior customer service. Sales Agent with 10+ years experience in auto, property insurance and life. Skilled in client relationships, patience in conflict, and multi-tasking abilities. Current with General Lines Agent (Property and Casualty) license.

Overview

29
29
years of professional experience

Work History

Grievances & Appeals Representative 3

Humana
Louisville, Kentucky
12.2023 - Current

Manage client denials and concerns by conducting a comprehensive analytic review of clinical documentation to determine if an a grievance, appeal or further request is warranted and then deliver final determination based on trained skillsets and/or partnerships with clinical and other Humana parties. Perform advanced administrative/operational/customer support duties that require independent initiative and judgment. Use intermediate mathematical skills. Remote position.

Insurance Services Claims Specialist II

Nationwide
San Antonio, TX
07.2022 - Current

Provides first line customer service contact for claims reporting activity related to personal lines. Creates loss reports by obtaining information from policyholders, claimant, and other parties. Establishes and maintains information screens and inputs data into necessary software as required. Establishes the claim master record by direct entry of claim data into appropriate systems. Verifies coverage under various policies or policy provisions based on variances of state, jurisdiction and regulatory requirement. Makes direct assignments to inside or field claims specialists for prompt resolution of claims. Refers claimants to preferred repair shops or schedules drive-in appointments as appropriate. Thoroughly and efficiently handles inquiries from policyholders, claimants and others. Responds effectively and appropriately to sensitive events and/or situations as needed. Establishes and maintains a follow-up system for completion of claim reports.

Insurance Professional - Sales and Service III

USAA
San Antonio, TX
07.2021 - 10.2021

Member contact position. Within defined guidelines and framework, provide Property & Casualty (P&C) member experience by performing customer service, sales, and retention activities for one or more USAA personal lines products that occur across multiple contact channels (i.e. inbound calls, email, chat, social media, etc.) to provide adequate coverage and advice to ensure member's financial security aligns to USAA standards.

Senior Appeals Coordinator

United Healthcare
San Antonio, TX
09.2016 - 07.2021
Responsible for providing expertise or general support to teams in reviewing, researching, investigating, negotiating and resolving all types of appeals and grievances. Communicates with appropriate parties regarding appeals and grievance issues, implications and decisions. Analyzes and identifies trends for all appeals and grievances. May research and resolve written Department of Insurance complaints and complex or multi-issue provider complaints submitted by consumers and physicians/providers. 
  Job Scope and Guidelines  - Applies knowledge/skills to a range of moderately complex activities. - Demonstrates great depth of knowledge/skills in own function. - Sometimes acts as a technical resource to others in own function. - Proactively identifies solutions to non-standard requests.  - Solves moderately complex problems on own. - Works with team to solve complex problems. - Plans, prioritizes, organizes and completes work to meet established objectives. - May coordinate work of other team members.  -Analyze/research/understand how a claim was processed and why it was denied -Obtain relevant medical records to submit appeals or grievance for additional review, as needed -Leverage appropriate resources to obtain all information relevant to the claim -Identify and obtain additional information needed to make an appropriate determinations -Obtain/identify contract language and processes/procedures relevant to the appeal or grievance -Work with applicable business partners to obtain additional information relevant to the claim (e.g., Network Management, Claim Operations, Enrollment, Subrogation) -Determine whether additional appeal or grievance reviews are required (e.g., medical necessity), and whether additional appeal rights are applicable -Determine where specific appeals or grievances should be reviewed/handled, and route to other departments as appropriate.

Customer Service Representative Sr.

United Healthcare
San Antonio, TX
06.2015 - 09.2016
Respond to and resolve on the first call, customer service inquires and issues by identifying the topic and type of assistance the caller needs such as benefits, eligibility and claims, financial spending accounts and correspondence.•Help guide and educate customers about the fundamentals and benefits of consumer-driven health care topics to include managing their health and well-being by selecting the best benefit plan options, maximizing the value of their health plan benefits and choosing a quality care provider•Intervene with care providers (doctor’s offices) on behalf of the customer to assist with appointment scheduling or connections with internal specialists for assistance when needed•Assist customers in navigating myuhc.com and other UnitedHealth Group websites and encourage and reassure them to become self-sufficient•Own problem through to resolution on behalf of the customer in real time or through comprehensive and timely follow-up with the member•Research complex issues across multiple databases and work with support resources to resolve customer issues and/or partner with others to resolve escalated issues•Provide education and status on previously submitted pre-authorizations or pre-determination requests•Meet the performance goals established for the position in the areas of: efficiency, call quality, customer satisfaction, first call resolution and attendance.

Office Manager

JG First Gear Driving School
San Antonio, TX
03.2011 - 07.2015
Explain courses, sign up students, receive, record payments in person, over the phone and via PayPal account.  Received, recorded, and banked cash, checks, and vouchers as well as reconciled records of bank transactions. . Coordinated all department functions for team of [10] employees. Maintained detailed administrative and procedural processes to improve accuracy and efficiency.Scheduled and confirmed appointments for entire team.  (Also owned by Julio Gonzalez, Jr.). 

Office Manager/ Agency Producer

Farmers Insurance
San Antonio, TX
02.2011 - 06.2015
For Agent Julio Gonzalez, Jr.-Interviewed prospective clients to learn about their financial needs and to discuss any existing coverage. Processed applications, payments, corrections, endorsements and cancellations. Promoted client retention through high-quality service and follow through. Developed productive working relationships with car dealers, loan processors and other business partners in the community. Followed up with potential clients regarding online information requests. Prepared necessary paperwork to process insurance sales and renewals. Pursued continuing education and training programs to continue professional development. 

Office Manager/ Agency Producer

Farmers Insurance
San Antonio, TX
10.2007 - 02.2011
For Agent Ida Benavides -Interviewed prospective clients to learn about their financial needs and to discuss any existing coverage. Processed applications, payments, corrections, endorsements and cancellations. Promoted client retention through high-quality service and follow through. Developed productive working relationships with car dealers, loan processors and other business partners in the community. Followed up with potential clients regarding online information requests. Prepared necessary paperwork to process insurance sales and renewals. Pursued continuing education and training programs to continue professional development. 

Office Manager

R.V.Garza Sales
San Antonio, TX
09.1995 - 07.2005

Preformed general office duties such as ordering supplies, maintaining records management systems. Client relations and customer service. Also receiving and delivery of product and daily product inventory.

Education

General Lines Agent P&C License -

Additional Licenses
2021

Adjuster Property & Casualty

Texas Department of Insurance
2019

General Lines Agent P & C License

Texas Department Of Insurance
2013

15 hour Course Loan Processing - Loan Processing and Origination

Atlantic American Financial Institute
2005

Consumer Lending and Finance

San Antonio College
2002

High School Diploma - undefined

McCollum High School
1999

Skills

  • Casualty auto insurance
  • Client relations expert
  • Active Property and Casualty Insurance License with the [State of Texas] Department of Insurance
  • Property and casualty products
  • Customer advocate
  • Excellent communication skills
  • Complaint handling and resolution
  • Natural leader

Accomplishments

  • Customer Assistance
    • Worked with company systems such as Live Support and diligently completed all assigned tasks, working overtime as needed.
    • Customer Service
      • Researched, calmed and rapidly resolved client conflicts to prevent loss of key accounts.
  • Customer Interface
    • Greeted customers upon entrance and handled all cash and credit transactions.
    • Assisted customers over the phone regarding products, And current policies.

Timeline

Grievances & Appeals Representative 3

Humana
12.2023 - Current

Insurance Services Claims Specialist II

Nationwide
07.2022 - Current

Insurance Professional - Sales and Service III

USAA
07.2021 - 10.2021

Senior Appeals Coordinator

United Healthcare
09.2016 - 07.2021

Customer Service Representative Sr.

United Healthcare
06.2015 - 09.2016

Office Manager

JG First Gear Driving School
03.2011 - 07.2015

Office Manager/ Agency Producer

Farmers Insurance
02.2011 - 06.2015

Office Manager/ Agency Producer

Farmers Insurance
10.2007 - 02.2011

Office Manager

R.V.Garza Sales
09.1995 - 07.2005

General Lines Agent P&C License -

Additional Licenses

Adjuster Property & Casualty

Texas Department of Insurance

General Lines Agent P & C License

Texas Department Of Insurance

15 hour Course Loan Processing - Loan Processing and Origination

Atlantic American Financial Institute

Consumer Lending and Finance

San Antonio College

High School Diploma - undefined

McCollum High School
Veronica-Ann Garza