Flex Benefits are designed to pay for life’s unexpected visits to the doctor for sickness, accidents and critically serious diseases. Flex Benefits pays those large deductible and coinsurance payments for you. Pick a flex plan that pairs well with your major medical plan and get on with your life. Don’t let a bad day or bad luck break the bank.
We do everything possible to simplify the insurance shopping experience for agents and consumers
Our team of experienced professionals is committed to quality products and services.
Our products are designed to help consumers avoid out-of-pocket expenses related to large deductibles and copays for a reasonable monthly premium.
Our brokers and customers represent long term relationships that we intend to nurture through active listening and responsiveness.
Jeff is the co-founder of Healthcare.com and Pivot Health, the former Chief Marketing Strategy Officer and Senior Vice President of The IHC Group, and the President of American Independence Corp. He has written extensively for national publications about health insurance and is active on several non-profit boards, including Undue Medical, a non-profit that has erased $10.4 billion of medical debt for more than 7.1 million individuals as of 2023. Jeff's passion is playing a role in wiping out medical debt for millions of middle-class Americans.
Brian has three decades of experience in health insurance operations, sales and marketing. He brings a pragmatic perspective, often looking to simplify and streamline complicated insurance practices. A master's degree in venture management has fueled a career of building new ventures in the corporate world - most recently serving in the role of Chief Operating Officer for IHC Specialty Benefits, a leading insurance distribution company. "It’s amazing what can be done when key systems are designed for flexibility and transparency. You shouldn't have to cut corners. To do it right, you just have to imagine the possibilities." - Brian
Scott brings 40+ years of health insurance management experience to Flex Benefits. He has held C-level positions in the industry (insurance companies, TPAs, MGUs, retail and wholesale brokerage). His expertise includes strategic planning, product development, pricing, underwriting, claims, compliance, reinsurance, and operations. In the employer-sponsored market, he has led marketing and operations for medical, ancillary, voluntary benefits, and wellness, and in the individual insurance market: major medical, short-term medical, fixed indemnity, dental/vision, accident, critical illness and disability. Scott’s passion is to help organizations and individuals lower their costs by improving their health. He gets great joy from developing strategies and moving them into action plans and finds hope in living his mantra which revolves around trust: “I say what I’ll do and I do what I say."
Pam is responsible for managing broker relationships and sales support including training on products, tools and sales best practices. Pam brings over 25 years of professional experience to the Flex Benefits team. She has worked in new business, retention, and account management capacities her entire career, with a focus on building strong business relationships.
Crystal Dorsey has more than 30 years of experience in actuarial consulting, performing and reviewing financial analyses, projections, reserve setting, accrual forecasts, experience and trend studies along with product development and rating. She is founder and CEO of Dragonfly Actuarial, a boutique actuarial firm managing several profitable lines of business for the past 12 years. She and her team thrive on providing meaningful expert support by bringing clarity to complex financial and actuarial challenges, helping carriers and reinsurers grow business profitably. Crystal’s passion is connecting with nature by growing and cooking from her garden. She finds great joy in connecting with family, friends, and pets and finds hope in the kindness and compassion present everywhere when one has eyes to see and ears to hear.
Frank is a skilled veteran health plan warrior, with experience in life and health insurance underwriting, product development, sales, claims, medical management, and insurance compliance activities. Frank’s passion is to craft innovative product solutions to overcome longstanding norms. He gets great joy from being blessed with grandchildren and children who enjoy Frank establishing and hosting family and friend events that, hopefully, the young will carry on as traditions in memory of the family.
Kellsey has worked in various aspects of agent contracting and commissions for the past six years. Her attention to detail ensures agents and agencies are properly set up to market the products offered by the company. She looks forward bringing her skills to the Flex Benefits.co team. Outside of work, Kellsey enjoys spending time with her family and volunteering with various local civic groups.
Colleen has spent 25 years in the health insurance industry, working for corporate insurance companies to insuretech start-ups. She specializes in marketing, content, and ensuring clients adhere to regulatory compliance requirements. Colleen’s passion is being a consumer advocate for individuals and families who find the health insurance landscape overwhelming, and she gets great joy from helping others make smart decisions regarding their insurance finances.
Leveraging his administrative experience in the insurance industry, Sid looks forward to assisting brokers and agencies with completing FlexBenefits contracting and appointment paperwork to ensure they can quote and enroll. With his experience, contracting, and commissions are a natural fit. In his free time, he enjoys all sports and spending time with his family.
Why FlexBenefits?
By Brian Dow, President When asked why we created FlexBenefits, the answer is clear: to address the growing burden of out-of-pocket expenses faced by many individuals in various health plans. This issue is not limited to the individual ACA market but extends to the Medicare Advantage market and the small group markets. Deductibles continue to […]
15 Aug, 2024
FlexBenefits on BenefitsPRO: Protect Workers From Medical Debt
In a new article for BenefitsPRO, FlexBenefits founder Jeff Smedsrud draws attention to the crushing out-of-pocket costs faced by many people and discusses the need to protect people from medical debt. Smedsrud, a longtime benefits player, makes the case for supplemental insurance as a needed solution to help consumers safeguard their health and family finances. […]
25 Jul, 2024
The Financial Burden of a Critical Illness Diagnosis
Critical illnesses like cancer, heart attack or stroke are a huge burden not just emotionally and physically but also financially. The cost of initial care, prescription drugs, and follow-up treatment can run in the hundreds of thousands of dollars. No matter your health insurance coverage, this burdens patients and caregivers. What’s in this article How […]
24 Apr, 2024