Phil Camargo

Take between 20-40 inbound calls a day as I explain benefits to seniors and try and enroll them into medicare advantage plans Prospect and solicit new business to seniors (age 65+) and those with disabilities, with medicare carriers i am contracted with (Humana, United Healthcare, Wellcare, Devoted, Anthem, Aetna and Cigna) Explain different perks to seniors about the different medicare advantage plans we can offer them, such as Dental and Vision benefits and Pat B giveback plans

Medicare Agent at Senior Benefits Agency (2025-02 – Present)

• Take between 20-40 inbound calls a day as I explain benefits to seniors and try and enroll them into medicare advantage plans
• Prospect and solicit new business to seniors (age 65+) and those with disabilities, with medicare carriers i am contracted with (Humana, United Healthcare, Wellcare, Devoted, Anthem, Aetna and Cigna)
• Explain different perks to seniors about the different medicare advantage plans we can offer them, such as Dental and Vision benefits and Pat B giveback plans

Benefits Counselor at American Income Life (2024-04 – 2024-07)

• Enroll individuals into their Life, Mortgage and income protection benefits via warm leads from referals and Union mail out cards
• Describe no cost benefits and other benefits that members may qualify for by doing a needs analysis

Account Executive at Morin Associates (2023-06 – 2023-10)

• Lead new sales business for agency through digital marketing campaigns
• Produced new business around $5,000 in commission the individual Medicare and individual/small group benefit market throughout CT. Also solicited new business through the eastern CT chamber of commerce and shoreline chamber of commerce by calling on new members to pair with benefit packages.

Account Manager at EPIC Insurance Brokers (2022-01 – 2022-10)

• Presented renewal of benefit coverages for clients located in NY and MA for up to 50 groups (300 Lives)
• Marketed clients in force coverage to the leading health, Life and Dental carriers in NY and MA

Senior Account Executive at Spring Consulting Group (2019-07 – 2020-08)

• Marketed up to 100 clients and prospects (15-300 Lives) in force coverage and costs against comparable plan designs, from other carriers, at the time of their renewal and for prospects provided different benefit plan designs with what they were looking to contribute.
• Produced about $10,000 in new commissions through the Massachusetts dental society and Mass society of optometrists by calling on new practice owners and explain the benefits available on the market based on what they were willing to contribute.
• Provided guidance during Open Enrollment period which provided drafting benefit guides, employee enrollment and change form, and other tasks with senior Human Resources personnel.
• Serviced larger fully insured dental practices throughout New England. Also handled partially self-insured clients, within the tech industry.

Client Services Manager at Spring Consulting Group (2018-06 – 2019-07)

• Assisted on the day to day operations from client’s (2-15 Lives) for all lines of coverages: Health, Life and Disability, Vision, Dental and COBRA guidance.
• Received monthly premium quotes from each of the leading carrier’s portals and reviewed claim disputes.
• Provided additional support on Voluntary benefits (critical illness and other voluntary benefits)

Account Manager at 360 Corporate Benefit Advisors (2017-10 – 2018-04)

• Compiled a renewal analysis on Excel which displayed different types of employee benefit packages and annual cost comparisons.
• Obtained quotes from all Life and Medical carriers, and ultimately making a recommendation via PowerPoint to client.
• Generated leads for principal broker through LinkedIn sales navigator and closed on $2,000 in new commissions for agency by calling on different private schools in the area.
• Reviewed monthly run loss and claims reports for each policy that is active.

Complex Claims Manager at Resolute Management (2015-10 – 2017-09)

• Assisted on long tail claims including pollution and Hazardous waste claims
• Ran claims allocation reports on various types of complex claims
• Generated claim trends reports typically on the excess level of coverage
• Reviewed reserves on each policy mainly on the excess layer of coverage
• Analyzed long tail claims such as environmental (pollution and Hazardous waste claims) to see where the allocation of funds would take place on each policy

Bachelors in Multi-Disciplinary Studies – West Virginia University (2006 – 2011)