Brian Cote', LIC, RHU CEO/ Benefit Consultant 855-306-1099 Ext. 1007 btc@44n.com

Brian Cote', LIC, RHU

CEO/ Benefit Consultant

With a business card and a promise, Brian took his working experience with a number of healthcare systems in Minnesota including Mayo and started 44North nearly twenty years ago. Today his business has become one of largest privately held benefit providers in the state servicing nearly 40,000 lives and over 400 businesses. For each of these businesses Brian sees 44North's role as a critical piece in helping improve people’s lives by providing clarity for much of the confusion that exists, removing many of the unnecessary medical bills that occur and providing medical pricing transparency that, unfortunately, healthcare is deeply lacking.

Although the dream of being a lead singer in a chart topping band or going toe-to-toe in the final round of the Masters for the coveted green jacket may be behind Brian, each day he still chases his dreams. Anyone whom has met Brian understands he loves being Active (never to be confused as a cruise control guy), living each day with Passion and a Commitment to doing things right. With the love and support of his two boys (Alec and Aidan) and Patti (his wife whom he met in college) they so value being able to do as much as they do as a family from Church on Sundays, Summers up at Burt Lake, or attempting to drain the game winning three pointer with the boys' school basketball teams.

Lise Hoppe Account Manager 855-306-1099 Ext. 1000 lhoppe@44n.com

Lise Hoppe

Account Manager

Lise works as an Account Manager and works directly with clients onsite at their company locations throughout the state. She assists clients with renewing their plans and educating their employees on the benefits they are offered. If asked, Lise will say doing employee meetings is her favorite thing she gets to do. She has 20 years’ experience in group insurance and enjoys the ever changing environment.

Lise lives in Cadillac with her husband, Gregg and their two boys, Gerritt and Miles. They enjoy downhill skiing and playing musical instruments, which means her house is very loud. Disney World is her favorite vacation spot. She says it’s magical.

Brigitte Sloat Account Coordinator 855-306-1099 Ext. 1010 bsloat@44n.com

Brigitte Sloat

Account Coordinator

Brigitte is an Account Coordinator for Brian’s team and serves as a point of contact for Human Resources to help with any inquiries or issues they may be experiencing. She graduated from Central Michigan University in 2010 and holds a Bachelor’s Degree in Business Administration. Brigitte is passionate about helping people and building relationships. Her number one priority is customer satisfaction.

Brigitte lives in Lake City with her husband, two sons and chocolate lab. She spends much of her free time visiting other members of her family, who live close by. During the winter months, Brigitte and her husband enjoy hitting the slopes. The rest of the year, you can usually find Brigitte and her family spending time together outdoors.

Lynda Roby Account 855-306-1099 Ext. 1022 lroby@44n.com

Lynda Roby

Account Coordinator

Lynda strives to make client satisfaction a top priority as she serves as a point of contact for Human Resources departments in her role as customer service representative. From general questions to complicated issues, she is not afraid to dig in and do what is needed to get to the root of an issue in order to bring resolution. Lynda’s background in the healthcare field proves to be an asset not only to Human Resource departments as they navigate group benefits, but also to individuals who need help navigating through their personal healthcare questions. If a customer needs assistance with an issue or has a benefit question after hours, quite often they will find Lynda on the other end of the line in our 24/7 Customer Service department.

Lynda lives in the small town of Falmouth, Michigan with her husband, Jeff, and three children, Jennifer, Jakob and Andrew. In the warmer months you will find Lynda and her family visiting campgrounds around the state. They like to discover new places to visit, but have a few favorites that they tend to fall back on as well. In the cooler months you’ll find the Roby’s around the bonfire in their backyard enjoying nature and watching the stars, and once it really gets cold, Lynda will be found snuggling inside with a good book and her over-sized cat. While not an athletic person, Lynda was inducted into her company’s “Wellness Wall of Fame” because of her growing passion for personal wellness as well as her encouragement of those around her on their own wellness journeys.

Angie Romey Patient Advocate 855-306-1099 Ext. 1035 aromey@44n.com

Angie Romey

Patient Advocate

Angie supports the TPA as a Patient Advocate. She brings with her a Medical Office background with 13 years’ experience in customer service. She appreciates the passion and integrity of 44North and values the way the teams work together caring for members and clients in a way that sets a new standard in the industry. She is devoted to advocating for her clients, whether it’s helping them understand their benefits, listening to their issues, finding answers, saving them unnecessary expenditures or discovering creative ways to meet their needs.

Angie is a native to Cadillac, Michigan and lives here with her husband and children. In the summers Angie and her family can be found in the woods hiking, camping, or just exploring with her family. Her favorite thing to do is spend time with her family.

Rhonda Hipple Patient Advocate 855-306-1099 Ext. 1052 rhipple@44.com

Rhonda Hipple

Patient Advocate

"As a Claims Analyst, Rhonda works in our TPA department analyzing claims to ensure that they are processing correctly. In the ever-changing insurance industry, she has found her prior experience managing a general practitioner’s office to be very beneficial. Rhonda is confident that she can help members with any claim issues that they bring to her. She enjoys the challenges that the insurance industry brings and loves being able to help our members get their issues resolved.

Rhonda has only been in the Cadillac area for a year, but has already discovered a love for the Northern Michigan area and she really enjoys being up here. She likes kayaking and has recently learned to play horse shoes. She is a mother of two and was a floral designer for 15 years. She still loves to be creative and design flowers, and she also enjoys re-finishing furniture.

Jeannee Metzger Claims Analyst 855-306-1099 Ext. 1027 jmetzger@44n.com

Jeannee Metzger

Claims Analyst

Jeannee joined the 44North team in 2015 as a Claims Analyst. As a Claims Analyst, Jeanne audits accounts, processes claims, provides customer service and also trains new employees at 44North. She loves being able to help members save money by correcting claims that have been processed incorrectly. It’s very rewarding to be able tell someone that they no longer owe money for a bill they’ve just received.

In her free time Jeannee enjoys gardening, kayaking and spending time with her family. Someday, she would love to take a camper and travel across the U.S. site seeing. She would love to start by going to the Grand Canyon, and then visit all the little towns that no one knows are there.

Cassie Burkert Claims Analyst 855-306-1099 Ext. 1044 cburkert@44n.com

Cassie Burkert

Claims Analyst

Cassie joined the 44North team in March of 2017 as a Claims Analyst. Her focus is to provide customer service to our members by being sure incoming claims are processed correctly and efficiently. Cassie enjoys working with members and providers to ensure accuracy and peace of mind when it comes to health care. Part of her role as a Claims Analyst is working with other team members such as Patient Advocates, to make sure all the edges are smooth with a member’s claim, not just the dollar amount on the bill.

Cassie is a native of Northern Michigan, and now resides in Lake City. Family is very important to her and she enjoys sitting around a fire catching up with those closest to her. In her free time, Cassie enjoys traveling to scenic areas of Michigan and learning the history of it. If she had an all-expenses paid trip, Cassie would take the opportunity to explore Colorado to see the Rocky Mountains and hit some National Parks on her way back home to Michigan.

Kayla Rossell Claims Analyst krossell@44n.com

Kayla Rossell

Claims Analyst

Kayla is part of the TPA claims department. She assists her team members by processing and analyzing claims to assure they coincide with the customer’s chosen plans. Kayla is a graduate of Baker College with an Associates of Applied Science as a Medical Insurance Specialist. She enjoys figuring out the different quirks in the insurance world and the different plans we offer our customers. It is important to her to make certain the claims are processing correctly so we can assure our plans are running as expected.

Kayla is very family oriented. In her free time, you can find her appreciating time with her boyfriend, her parents and brother, and spoiling her nephew and animals. Whether they are out at a lighthouse, the racetrack, or simply just sitting at home watching a movie, time with her loved ones is important. During the summer she enjoys being outside, camping, fishing or soaking up the sun. However, during the winter months you can find Kayla cuddled up watching a movie when she has spare time. Her all-time favorite movie is Forrest Gump; she reminisces watching it with her grandma every time she stayed with her.

Jacklyn Holman Senior Claims Analyst 855-306-1099 Ext. 1046 jholman@44n.com

Jacklyn Holman

Senior Claims Analyst

Jacklyn is part of the TPA Call Center as a Senior Claims Analyst. She enjoys helping her clients be at ease, knowing that they are well taken care of when they call her. Jacklyn finds pleasure connecting her clients with understanding their medical benefits. It makes her happy when she knows they don’t have to be stressed about how to fix an issue; usually one call to Jacklyn and she can get things straightened out. The positive team atmosphere really makes working at 44North feel like a family- a home away from home.

Cadillac is where Jacklyn and her family call home. In the winter, she and her family enjoy the use of our local sledding park and enjoy spending time together outside. In the summer they enjoy our lovely local area lakes either swimming or fishing along the beautiful lake shores. When she has a spare moment you might find Jacklyn wrapped up in a good book.

John O'Connor Vice President 855-306-1099 Ext. 1020 joconnor@44n.com

John O'Connor

Vice President

While running one of the Country’s largest Medical Staffing firms John was a client of CIC Benefit Consulting Group, now 44North. In working with 44North and sharing the same philosophy about people and business as the Founder of 44North, John decided to switch places from consumer to provider. John joined 44North in 2006. With more than 15 years in the medical service industry, John's passion for value, ROI, and employee's wellbeing drives him daily to make a difference with his partners. He uses the most innovative approaches to help his clients deliver relevant solutions to their work force.

John's passion and excitement for the ACA is in full swing. He thinks this will give 44North and his team the opportunity to revolutionize healthcare, how it's delivered, and how it's used. His Team is working hard to get thru the challenges and highlight the opportunities for his clients with the ACA.

In John's free time he likes to work. Most kidding aside...John his wife Cookie and black lab Rammy enjoy the outdoors, cooking, and being with family and friends.

Deena Lohr Account Manager 855-306-1099 Ext. 1024 dlohr@44n.com

Deena Lohr

Account Manager

Deena heads up John O’Connor’s team and is located in our Rockford, MI office. She works closely with our employer groups providing innovative solutions to meet each client’s benefit goals. She also assists with Open Enrollment and Member education. She has 19 years of experience in the healthcare industry and is passionate about Customer Service. In addition to being licensed in Health and Life Insurance, she has a Bachelor’s degree in Education from Calvin College.

Deena lives in Rockford, with her husband and three children: The eldest attends University of Michigan, the middle attends Rockford Public High School and the youngest is now 3. (Yes, you did read that correctly). Deena enjoys spending time with her family and friends along with reading, ice skating, movies and amusement parks. If she was to name one thing she is really good at, it would be organizing events. Deena is a Jane Austen fan and one of her favorite movies of all times is Pride & Prejudice (2005 version). If she could only eat one food for the rest of her life, it would be pizza.

Alisha Cook Account Coordinator 855-306-1099 Ext. 1061 acook@44n.com

Alisha Cook

Account Coordinator

Alisha is the Customer Service Representative for John O’Connor’s team. She has 10 years of experience with a background in third party claim administration. She truly enjoys assisting our clients with any insurance issues they are having.

Alisha lives in Greenville, Michigan with her husband, their daughter, and their Golden Retriever Lola. In her free time, she enjoys spending time with family and friends whether it be just visiting with one another or going on some crazy adventure. There isn’t anything Alisha loves more than to watch her daughter learn and grow.

Char Siddall Account Coordinator 855-306-1099 Ext. 1042 csiddall@44n.com

Char Siddall

Account Coordinator

Char is an Account Coordinator on John O’Connor’s team and works directly with the Human Resources/Benefits Department Managers. She works to resolve day to day issues and questions regarding claims, benefit coverage, and compliance laws. During her five years here at 44North she has also worked in our TPA Department as a Patient Advocate and a Claims Analyst. Char also brings with her 7 years of insurance billing at a facility including commercial insurance, auto and workers’ compensation claims. Char is a licensed agent for Life, Health and Accident as well.

Char lives in Cadillac area and has been married for 20 years and has 3 teenage children. In between kids sporting events (basketball, football, cross country and track), they enjoy camping, trail riding, and just being with friends/family. Her goal is to one day travel to Italy and Ireland.

Dawn Taylor Senior Patient Advocate 855-306-1099 Ext. 1012 dtaylor@44n.com

Dawn Taylor

Senior Patient Advocate

Dawn supports the TPA Department as a Senior Patient Advocate, licensed by the State of Michigan in Life, Health and Accident Insurance. She brings with her a Medical Office Assistant Certificate and 12 years’ experience in customer service. She appreciates the passion and integrity of 44North and values the way the teams work together caring for members and clients in a way that sets a new standard in the industry. She is devoted to advocating for her clients, whether it’s helping them understand their benefits, listening to their issues, finding answers, saving them unnecessary expenditures or discovering creative ways to meet their needs.

Dawn lives in the Lake City area caring for her family helping her daughters prepare for a rewarding future. Dawn and her husband are motorcycle enthusiasts taking trips across northern Michigan as often as they have time to do so. Her family loves Michigan for its wealth of outdoor activities like fishing in the spring, camping in the summer, hunting in the fall, and skiing in the winter.

Ashley Warner Patient Advocate 855-306-1099 Ext. 1047 awarner@44n.com

Ashley Warner

Patient Advocate

Ashley works as a Patient Advocate ensuring that insurance issues and questions are taking care of in a timely fashion. She hopes to earn the trust of her members by being accessible, honest, and relatable. What she finds the most interesting about patient advocacy is the legality behind each issue and using this knowledge to assist members work through insurance questions and concerns. Ashley has a bachelor’s degree from Siena Heights University, majoring in both History and Pre-Law studies and graduating in only three years as Summa Cum Laude. Ashley really hopes to bring her extreme care for detail and customer service experience to 44North in the upcoming years.

Ashley is a transplant from southeast Michigan who moved to the Cadillac area after college. She is still adapting to the area and has learned that dirt roads really do exist and just because it is summer, does not mean it is the right season for a seasonal road. Ashley met her husband, Nick, at Siena Heights University where she played softball and he played baseball. Ashley was named three-time All-American Scholar-Athlete while attending SHU and is an avid Detroit sports fan. If Ashley is not at work, you will most likely find her on a softball field, fishing, riding ATVs, or at home watching sports.

Nicole (Nikki) Hermatz Claims Analyst 855-306-1099 Ext. 1081 nhermatz@44n.com

Nicole (Nikki) Hermatz

Claims Analyst

Nikki is a part of the TPA call center as a Claims Analyst. She strives to help her clients better understand their medical benefits, while processing their claims timely and efficiently. It makes her happy in knowing that she can help her clients through uneasy times. With a friendly voice, she hopes that she can put her clients at ease in knowing that she is on their side. It brings much joy to Nikki to be able to work through a problem for a client and have it fixed so they can focus on their health. Nikki graduated from Baker College in 2012 and holds a Bachelor’s Degree in Business Administration. She is a hard worker and loves to laugh. Being surrounded by the people who mean the most to her makes her happiest. The friendly-family like atmosphere at 44North makes Nikki feel like she is at home and she wants to portray that same comfort to her clients with every call.

Nikki is a northern Michigan native, residing in the little town of Mesick. She is happily married to her high school sweetheart, and has a daughter and two dogs, jack and princess. She enjoys spending time with her family and friends, and loves to get everyone together at her house in the summer time. In her free time, she enjoys fishing, traveling, gardening, going to sporting events, swimming, and boating. She loves the country life and just being outdoors. If she had an all-expenses paid trip she would take her husband and daughter to Hawaii so they could enjoy the slow pace of the island life. Nikki is very active and believes that life should be lived to its fullest potential.

Andrea Hanlon Claims Analyst 855-306-1099 Ext. 1039 ahanlon@44n.com

Andrea Hanlon

Claims Analyst

As a Claims Analyst for 44North Andrea processes HRA claims as well as FSA claims that members submit for reimbursement. Andrea also assists our groups and their members when they need to check on claims status’ or find out where their out-of-pocket amounts are at. She enjoys the team atmosphere at 44North and knows that she can count on her teammates, and they can count on her. With all of the changes in health care the Claims Analyst stick together and keep each other up to date on any changes and the correct processes for different procedures.

Andrea enjoys being with her family and friends. She has four dogs that are totally spoiled! She is the youngest of four (all girls), and everyone pitied her dad for being the only male in the house. If she had an all-expenses paid trip, she would love to go out west with her dad and go hunting. Her family is from McBain, so they are big hunters.

Vince Rose, REBC, RHU, LIC Vice President 888-269-7620 Ext. 8112 vrose@44n.com

Vince Rose, REBC, RHU, LIC

Vice President

With over 30 years experience in the industry Vince has gained a wealth of knowledge. Vince focuses on the large group market, assisting our larger groups with plan design, cost management and contract negotiations. As a result of his commitment to excellence and outstanding service, Vince has been a consistent qualifier for the National Association of Health Underwriters Leading Producers Round Table (LPRT), and has been a consistent Top Regional Producer for Blue Cross Blue Shield of Michigan and serves on the Blue Cross Blue Shield's Statewide Agent Advisory Council, as well as their Upper Peninsula Agent Advisory Council. 44North is a Premier Agency for Blue Cross Blue Shield of Michigan.

Continuing education is an essential part of remaining competitive and meeting the needs of his clients. Recognizing this, Vince has completed his designations as Registered Health Underwriter (RHU), Registered Employee Benefits Consultant (REBC), and is currently completing his requirements for the advanced designation of Chartered Life Underwriter (CLU). Vince is also a Licensed Insurance Counselor (LIC) in the State of Michigan.

Miranda Laessig, IC, AHIC Account Manager 888-269-7620 Ext. 8216 mlaessig@44n.com

Miranda Laessig, IC, AHIC

Account Manager

Miranda is an Account Manager working with Upper Peninsula employers in designing, implementing and educating employees about their benefit plans. She has 10+ years of experience in the benefits industry with an extensive background from the carrier, agency and private business perspectives. As an Account Manager and licensed life & health insurance agent, Miranda is well prepared to work with Upper Peninsula employers in both the private and public sector in managing their employee benefit programs.

Miranda is a U.P. native and alumni of Northwood University with a major in Business Management and minor in Management Information Systems. She lives in Marquette and enjoys taking the road less traveled exploring the wild U.P.

Bonnie Nelson Service Coordinator 888-269-7620 Ext. 8138 bnelson@44n.com

Bonnie Nelson

Service Coordinator

Bonnie is our U.P. Service Coordinator making her an integral part of both our sales and servicing teams. She works mainly on site at customer locations educating employees to ensure they have the tools they need to understand and use their benefits. Bonnie thoroughly enjoys taking complicated benefits and making them easily understood by everyone. With her 21 years of experience and knowledge in benefits, compliance and wellness she is able to tailor material to all levels within an organization to enhance their educational experience. Bonnie is also our U.P. Wellness and EAP expert working closely with employers to structure plans which promote employee health and well being.

When not on the road, Bonnie lives in Rapid River with her husband, Willie. The #1 activity at the Nelson household is family game night with their four grandchildren. Travel is a passion the Nelson's share with thousands of miles to the four corners of the U.S. already visited along with many locations in between. Traveling to their respective ancestral homelands is still on top of their bucket lists. When she isn't spending time with family and friends or traveling Bonnie enjoys walking, reading and gardening. She dares a weed to grow in her garden.

Sue Robinson Account Coordinator 888-269-7620 Ext. 8114 srobinson@44n.com

Sue Robinson

Account Coordinator

Sue works as an Account Coordinator. She is a Licensed Life and Health Insurance Agent and has been with the agency since 1999. Sue works closely with our Benefit Advisors in preparing presentation materials for our clients, and assisting our customers with their questions, billing issues and administrative tasks.

Sue lives in the Marquette area with her spouse Dennis. She has three grown children and two granddaughters. Sue and her family enjoy spending summers at their camp, swimming, boating and fishing. In the winter Sue enjoys reading or can still be found in the Ice Rink watching hockey.

Terry Tryan Patient Advocate 888-269-7620 Ext. 8119 ttryan@44n.com

Terry Tryan

Patient Advocate

It has been twenty-three years since Terry began in the insurance business, where she has shared ten of those years with us at the Marquette, Michigan office. Terry genuinely enjoys working with people; whether it be her co-workers or clients. Making her clients feel as though they are being listened to, empathizing with them when they are ill, reassuring them that they are not alone and helping them wade through their medical benefits, is what she finds fulfilling. It brings her great pleasure to be available for her clients and give them her time.

While gone from the area for a while, Terry calls Marquette home, with her husband, Rick who she has been married to for 22 years. When summer comes, Terry enjoys taking walks, spending time at their cottage, picking berries or reading a good book. You might also find her four-wheeling or paddling around on the lake with her two dogs. Her most favorite thing to do is spend time with her two daughters, a son-in-law and a granddaughter, who also live in the area. Terry makes it a point to be with her granddaughter and spoil her as often as she can.

Tricia McCain Patient Advocate 231-306-1109 tmccain@44n.com

Tricia McCain

Patient Advocate

Tricia joined the 44North team in February of 2018 as a Claims Analyst. After spending weeks in the claims department, she decided her passion was to work closer with the members of 44 North, so she transferred into Patient Advocacy. She has a strong desire to help others with her outgoing amazing loving personality, she wants every member to feel important and not just a number. Tricia enjoys working with members and providers to ensure accuracy and peace of mind when it comes to health care. Part of her role as a Patient Advocate is devoting as much time needed with members and providers to help our members understand their benefits, listening to their issues, finding answers, saving them unnecessary costs or determining the most beneficial, creative ways to meet their needs.

Tricia was born and raised in Cadillac Mi, the youngest of 3 children her mom and dad were blessed with. Outside of work she enjoys spending time with her 13-year-old daughter skiing and snowmobiling in the winter and in the summer months anything that involves water or being outside. She has a strong relationship with her family and couldn’t ask for a better company to be a part of that understand how important family is.

Renee Root Claims Analyst PHONE rroot@44n.com

Renee Root

Claims Analyst

Renee joined the 44North team as a claims analyst in June of 2016. She services both our upper and lower peninsula groups and is always willing to lend a helping hand. She prides herself in accurate and timely claims processing, and loves helping clients and members with any questions or concerns that arise.

In her free time, Renee enjoys cheering on her two boys in their many sporting adventures. She volunteers with the booster club at her children’s school on a regular basis. Her hobbies include golfing, camping and travelling to new and exciting places. Her dream vacation would be a trip to Italy to track down some of her family heritage. Places that she’s been include Paris, Madrid, Cancun, Grand Cayman, Jamaica and several cities/states within the United States.

Andrea Hanlon Claims Analyst 855-306-1099 Ext. 1039 ahanlon@44n.com

Andrea Hanlon

Claims Analyst

As a Claims Analyst for 44North Andrea processes HRA claims as well as FSA claims that members submit for reimbursement. Andrea also assists our groups and their members when they need to check on claims status’ or find out where their out-of-pocket amounts are at. She enjoys the team atmosphere at 44North and knows that she can count on her teammates, and they can count on her. With all of the changes in health care the Claims Analyst stick together and keep each other up to date on any changes and the correct processes for different procedures.

Andrea enjoys being with her family and friends. She has four dogs that are totally spoiled! She is the youngest of four (all girls), and everyone pitied her dad for being the only male in the house. If she had an all-expenses paid trip, she would love to go out west with her dad and go hunting. Her family is from McBain, so they are big hunters.

Abigail Pluger Claims Analyst 855-306-1099 Ext. 1070 apluger@44n.com

Abigail Pluger

Claims Analyst

Abigail (a.k.a Abby) joined 44North as a Claims Analyst in February of 2017. She works primarily with groups located in the Upper Peninsula. As a Claims Analyst, she analyzes all medical claims for each of the companies she is assigned to. Her team’s goal is to make health insurance benefits go as smoothly as possible for all of the companies and employees that partner with 44North. Abby works in coordination with several other Analysts in the Cadillac office, and with the team in the 44North Marquette office.

Abby and her husband are coming up on their one year anniversary and they are looking forward to starting a family in the community where they were raised. In her free time, she enjoys watching movies and spending time outdoors (when its warm out).

Vince Babcock Benefits Consultant 888-269-7620 Ext. 8116 vbabcock@44n.com

Vince Babcock

Benefits Consultant

Vince works in our sales division and is responsible for, in partnership with existing and prospective clients, creating and maintaining benefits strategies that achieve employer goals for recruitment of employees, retention of employees, and cost management for employers.

Vince has been working with employers to achieve these goals since 2006.

Vince served as a Sergeant in the United States Marine Corps. When not working with clients, Vince enjoys spending time with friends doing the things he loves, like outdoorsy stuff of all sorts with a nice locally brewed beer.

Traci Coordinator Account Manager 888-269-7620 Ext.8115 tchampion@44n.com

Traci Champion

Account Coordinator

Traci is an Account Manager working with Upper Peninsula employers in designing, implementing and educating employees about their benefit plans. With over 19 years of experience with 44North, she has filled may positions over the years, truly learning from the ground up. She has a wealth of knowledge in employee benefit products which is the key to her success and the success of 44North.

Traci lives in Ishpeming, Michigan with her two children. In the summer months, the beach is a favorite destination and during the winter they enjoy sledding and catching a movie at the local theater. If she were given and all-expense paid trip she would take the family on the Disney Cruise where they could have family fun together.

Tracy Papciak Account Coordinator 888-269-7620 Ext. 8110 tpapciak@44n.com

Tracy Papciak

Account Coordinator

Tracy joined our customer service department in 2012. She works closely with our benefits advisors preparing presentation materials for our customers and helps those same customers with a wide range of service topics and benefit level questions. She works with her team members to provide the high quality of customer service that 44 North’s customers deserve.

Tracy lives with her husband John in the beautiful Upper Peninsula. They enjoy being outdoors throughout the changing seasons of the year. They are avid Detroit Tigers fans and always attend at least one game a year.

Terry Tryan Patient Advocate 888-269-7620 Ext. 8119 ttryan@44n.com

Terry Tryan

Patient Advocate

It has been twenty-three years since Terry began in the insurance business, where she has shared ten of those years with us at the Marquette, Michigan office. Terry genuinely enjoys working with people; whether it be her co-workers or clients. Making her clients feel as though they are being listened to, empathizing with them when they are ill, reassuring them that they are not alone and helping them wade through their medical benefits, is what she finds fulfilling. It brings her great pleasure to be available for her clients and give them her time.

While gone from the area for a while, Terry calls Marquette home, with her husband, Rick who she has been married to for 22 years. When summer comes, Terry enjoys taking walks, spending time at their cottage, picking berries or reading a good book. You might also find her four-wheeling or paddling around on the lake with her two dogs. Her most favorite thing to do is spend time with her two daughters, a son-in-law and a granddaughter, who also live in the area. Terry makes it a point to be with her granddaughter and spoil her as often as she can.

Tricia McCain Patient Advocate 231-306-1109 tmccain@44n.com

Tricia McCain

Patient Advocate

Tricia joined the 44North team in February of 2018 as a Claims Analyst. After spending weeks in the claims department, she decided her passion was to work closer with the members of 44 North, so she transferred into Patient Advocacy. She has a strong desire to help others with her outgoing amazing loving personality, she wants every member to feel important and not just a number. Tricia enjoys working with members and providers to ensure accuracy and peace of mind when it comes to health care. Part of her role as a Patient Advocate is devoting as much time needed with members and providers to help our members understand their benefits, listening to their issues, finding answers, saving them unnecessary costs or determining the most beneficial, creative ways to meet their needs.

Tricia was born and raised in Cadillac Mi, the youngest of 3 children her mom and dad were blessed with. Outside of work she enjoys spending time with her 13-year-old daughter skiing and snowmobiling in the winter and in the summer months anything that involves water or being outside. She has a strong relationship with her family and couldn’t ask for a better company to be a part of that understand how important family is.

Kristin Downing Claims Analyst 855-306-1099 Ext. 1064 kdowning@44n.com

Kristin Downing

Claims Analyst

As a Claims Analyst for 44North, Kristin processes the claims coming in through different insurance companies. She makes sure that they are being processed correctly based on the individual members plan and needs. Kristin enjoys making sure her members have a seamless experience and smoothing out any questions they may have.

Kristin grew up in the Lake City area where she still lives with her husband, daughter and golden retriever. She met her husband in high school where they both played for the high school golf team. In her free time, Kristin still enjoys to play golf and can’t wait to teach her daughter to play. She also enjoys helping her daughter train to be the next American Ninja Warrior. She may only be little, but she has big dreams and hey, who doesn’t want to be a Ninja!

Anthony Perez Benefits Consultant 855-306-1099 Ext. 1040 aperez@44n.com

Anthony Perez

Benefits Consultant

Anthony is a group benefits agent for 44North. With a medical training background and experience working in a trauma center, Anthony brings a passion for the healthcare benefits and knowledge companies and employees need in the most unexpected times. Combined with 20 years of sales and customer service experience, Anthony and his team help clients implement solutions that bring value to employees and a great return on investment for companies.

Human resource managers appreciate his approach to presenting new ideas, solving problems, and outstanding employee education. He is proud to represent 44North, and their recognition as 101 Best and Brightest companies and recipient of the Governor’s Fitness Award for Healthy Workplace, and brings these values into his daily interactions with clients and prospects.

When Anthony is not working, he enjoys spending time with his family, helping at his kids’ schools and church, and working out. Together as a family they enjoy camping and traveling, school sports, and participating in 4-H and the Kent County Youth Fair showing pigs, sheep and goats.

Char Siddall Account Coordinator 855-306-1099 Ext. 1042 csiddall@44n.com

Char Siddall

Account Coordinator

Char is an Account Coordinator on John O’Connor’s team and works directly with the Human Resources/Benefits Department Managers. She works to resolve day to day issues and questions regarding claims, benefit coverage, and compliance laws. During her five years here at 44North she has also worked in our TPA Department as a Patient Advocate and a Claims Analyst. Char also brings with her 7 years of insurance billing at a facility including commercial insurance, auto and workers’ compensation claims. Char is a licensed agent for Life, Health and Accident as well.

Char lives in Cadillac area and has been married for 20 years and has 3 teenage children. In between kids sporting events (basketball, football, cross country and track), they enjoy camping, trail riding, and just being with friends/family. Her goal is to one day travel to Italy and Ireland.

Ashley Warner Patient Advocate 855-306-1099 Ext. 1047 awarner@44n.com

Ashley Warner

Patient Advocate

Ashley works as a Patient Advocate ensuring that insurance issues and questions are taking care of in a timely fashion. She hopes to earn the trust of her members by being accessible, honest, and relatable. What she finds the most interesting about patient advocacy is the legality behind each issue and using this knowledge to assist members work through insurance questions and concerns. Ashley has a bachelor’s degree from Siena Heights University, majoring in both History and Pre-Law studies and graduating in only three years as Summa Cum Laude. Ashley really hopes to bring her extreme care for detail and customer service experience to 44North in the upcoming years.

Ashley is a transplant from southeast Michigan who moved to the Cadillac area after college. She is still adapting to the area and has learned that dirt roads really do exist and just because it is summer, does not mean it is the right season for a seasonal road. Ashley met her husband, Nick, at Siena Heights University where she played softball and he played baseball. Ashley was named three-time All-American Scholar-Athlete while attending SHU and is an avid Detroit sports fan. If Ashley is not at work, you will most likely find her on a softball field, fishing, riding ATVs, or at home watching sports.

Jen Martin Benefits Consultant 855-306-1099 Ext. 1030 jmartin@44n.com

Jen Martin

Benefits Consultant

In 1998, Jennifer began her insurance career with 44North (previously CIC Benefit Consulting Group). Over the years, Jennifer experienced working all departments within the agency. Starting out as a Customer Service Representative, then helping expand the Group Department, she developed the necessary skills to best represent her groups as she entered the sales team in 2004. She offers unmatched expertise in Benefit Consulting, Fully & Self Funded Evaluations, Third Party Administration, Employee Retirement Plans, Financial Analysis, Health Care Reform, Union Negotiation and Employer Sponsored Benefits.

In 1999, she received her bachelors of business administration and human resource management from Baker College. In addition, Jennifer holds her health, life and disability license. She holds a seat on the Blue Cross Blue Shield agent advisory council as well as being a member of the National Association of Health Underwriters (NAHU). More recently, Jennifer became a partner of 44North. Jennifer’s goal is to build strong, trusting relationships with employers and their employees to provide outstanding services to her clients.

Outside of the insurance world, Jennifer enjoys spending time with her husband (Shanne) and 3 children (Alivia, Alexander & Avah). Most of her time is spent cheering from the sidelines of soccer, basketball, volleyball and softball. When sports are not in play, she shares her personal hobbies and interests with her family, including her love for animals, traveling, camping, gardening and cooking.

Cherokee Nelson Account Manager 855-306-1099 Ext. 1054 cmartin@44n.com

Cherokee Nelson

Account Manager

Cherokee works as an Account Manager for Jennifer Martin's team. Cherokee is licensed in both Health and Property & Casualty insurance, and has six years of experience in the insurance industry. She works hand in hand with the clients and members to find solutions for their benefit needs. She is the one call that you will need to make to find the answers to your questions. Cherokee lives in Northern Michigan with her husband and their five children. Cherokee enjoys attending the kid’s sporting events. She likes reading murder/mystery novels and watching action or suspenseful movies. She also loves horseback riding and helping her daughter at her horse shows.

Mandy Hamilton Account Coordinator 855-306-1099 Ext. 1036 mhamilton@44n.com

Mandy Hamilton

Account Coordinator

Mandy has been on Jennifer Martin’s team since 2015 and previously worked in Property & Casualty insurance for 9 years as a Commercial Lines Account Manager. She has knowledge in various risks, including but not limited to, trucking, manufacturing, and municipalities. She received her Bachelor of Arts degree in Education and English from Grand Valley State University and is licensed in health/life and property/casualty. She is detail oriented and dedicated to providing exceptional customer service. Mandy has obtained her CIC (Certified Insurance Counselor) in 2010 and her CISR (Certified Insurance Service Representative) in 2008 through The National Alliance for Insurance Education & Research.

In her free time, she enjoys kayaking, boating, camping, travel, gardening, and spending quality time with her family & friends.

Betty Hartshorn Patient Advocate 855-306-1099 Ext. 1045 bhartshorn@44n.com

Betty Hartshorn

Patient Advocate

Betty works with the team in the TPA Call Center as a Patient Advocate. She enjoys making sure her clients can focus on getting better; knowing that they are in good hands and that their medical claims and billing issues are being taken care of promptly. Navigating the insurance world is what we do best and she likes to provide personal attention to our clients when they need it the most. Betty is glad to be a part of a supportive team that works together to help our clients and each other, to be the best at what we do.

Betty has lived in the Cadillac area all her life with her husband and her now grown children. She spends most of her free time with her grandchildren and their activities. Betty loves taking them on new adventures as they grow up, including camping in the summer and sledding in the winter. When she can, she loves to go deer hunting and take her grandson along to enjoy the experience. If you don’t see Betty with her grandkids you might find her working out which makes her feel refreshed and motivated after a long day.

Rachel Ingraham Claims Analyst 855-306-1099 Ext. 1063 ringraham@44n.com

Rachel Ingraham

Claims Analyst

Rachel is one to make sure that all her members are taken care of as a claims analyst. Whether it’s verifying and updating information on submitted claims, contacting members or providers, or reviewing the claims for eligibility to be reimbursed. She always tries her hardest to guarantee accuracy and dependability by going the extra mile and always wearing a smile. She finds the most satisfaction in her job when she can go home at the end of the day knowing that her members were taken care of to the best of her ability.

Rachel has lived in Cadillac her whole life with her husband, two dogs, and three cats. Her time away from work is usually spent with family and friends going different places and just enjoying life. She is one that loves to snuggle on the couch on a cold day watching Disney movies with her husband, or reading an interesting book. Her biggest wish is to one day accomplish visiting all the Disney amusement locations since that has been her passion since she was very little.

Anette Reid Claims Analyst 855-306-1099 Ext. 1037 areid@44n.com

Anette Reid

Claims Analyst

Annette joined our TPA department in 2015 as a Claims Analyst. Her keen attention to detail allows her to catch things that may cause an issue for our member and she corrects them immediately. She excels in customer service and is always striving to find solutions to any claim issues. Her members always receive her undivided attention and she resolves any issues in the most efficient way possible. Annette enjoys being a part of the 44N family and will always put the clients needs first.

Annette has spent her entire life in Northern Michigan. She enjoys spending time with her family in such a beautiful area. She likes to spend her free time two-tracking on the abundant trails that the area has to offer, and on any given weekend, you might find her attending a local mud bog! She is an avid deer hunter, enjoys target shooting and just being outdoors.

Jen Michelin, LIC Benefits Consultant 888-269-7620 Ext. 8122 jmichelin@44n.com

Jen Michelin, LIC

Benefits Consultant

Jennifer joined our team of professionals in May of 2013. She has more than 10 years of experience as a Benefits Advisor working with both public and private sector groups. She has extensive experience assisting employers with designing and implementing benefit packages, cost-management analyses, PPACA guidance and contract negotiations. Jennifer is a St. Ignace native and has a Bachelor's degree from Michigan State University with a major in Kinesiology and a minor in Corporate Wellness.

In her free time, Jennifer enjoys spending time with her husband and 2 children, as well as golfing, kayaking, mountain biking, hiking, snowshoeing and cross-country skiing. One of her all-time favorite things to do is boating with her family on the beautiful shores of Lake Superior.

Heather Haupt Account Coordinator 888-269-7620 Ext. 8152 hhaupt@44n.com

Heather Haupt

Account Coordinator

Heather is a new addition to our Customer Service department. As an Account Coordinator, Heather works closely with our Benefit Advisors to create and prepare presentation materials for our clients. She also assists our customers with billing issues, administrative tasks, and answers any questions they may have. Providing top-notch customer service has always been important to Heather. She enjoys working with her 44North team members to provide that high level of service to all customers.

Outside the office, Heather enjoys spending time with Jeff, her husband of three years. Together, they have a fur baby; a cat that they rescued from a shelter. Heather and her husband named their cat Norman, after the lead role in their favorite movie, Psycho. During the freezing winter months, Heather enjoys quiet nights at home watching TV. When the snow is gone, Heather can be found on the shores of Lake Superior hunting for agates.

Terry Tryan Patient Advocate 888-269-7620 Ext. 8119 ttryan@44n.com

Terry Tryan

Patient Advocate

It has been twenty-three years since Terry began in the insurance business, where she has shared ten of those years with us at the Marquette, Michigan office. Terry genuinely enjoys working with people; whether it be her co-workers or clients. Making her clients feel as though they are being listened to, empathizing with them when they are ill, reassuring them that they are not alone and helping them wade through their medical benefits, is what she finds fulfilling. It brings her great pleasure to be available for her clients and give them her time.

While gone from the area for a while, Terry calls Marquette home, with her husband, Rick who she has been married to for 22 years. When summer comes, Terry enjoys taking walks, spending time at their cottage, picking berries or reading a good book. You might also find her four-wheeling or paddling around on the lake with her two dogs. Her most favorite thing to do is spend time with her two daughters, a son-in-law and a granddaughter, who also live in the area. Terry makes it a point to be with her granddaughter and spoil her as often as she can.

Tricia McCain Patient Advocate 231-306-1109 tmccain@44n.com

Tricia McCain

Patient Advocate

Tricia joined the 44North team in February of 2018 as a Claims Analyst. After spending weeks in the claims department, she decided her passion was to work closer with the members of 44 North, so she transferred into Patient Advocacy. She has a strong desire to help others with her outgoing amazing loving personality, she wants every member to feel important and not just a number. Tricia enjoys working with members and providers to ensure accuracy and peace of mind when it comes to health care. Part of her role as a Patient Advocate is devoting as much time needed with members and providers to help our members understand their benefits, listening to their issues, finding answers, saving them unnecessary costs or determining the most beneficial, creative ways to meet their needs.

Tricia was born and raised in Cadillac Mi, the youngest of 3 children her mom and dad were blessed with. Outside of work she enjoys spending time with her 13-year-old daughter skiing and snowmobiling in the winter and in the summer months anything that involves water or being outside. She has a strong relationship with her family and couldn’t ask for a better company to be a part of that understand how important family is.

Abigail Pluger Claims Analyst 855-306-1099 Ext. 1070 apluger@44n.com

Abigail Pluger

Claims Analyst

Abigail (a.k.a Abby) joined 44North as a Claims Analyst in February of 2017. She works primarily with groups located in the Upper Peninsula. As a Claims Analyst, she analyzes all medical claims for each of the companies she is assigned to. Her team’s goal is to make health insurance benefits go as smoothly as possible for all of the companies and employees that partner with 44North. Abby works in coordination with several other Analysts in the Cadillac office, and with the team in the 44North Marquette office.

Abby and her husband are coming up on their one year anniversary and they are looking forward to starting a family in the community where they were raised. In her free time, she enjoys watching movies and spending time outdoors (when its warm out).

Linda Hook Benefits Consultant 855-306-1099 Ext. 1072 lhook@44n.com

Linda Hook

Benefits Consultant

Linda is a group benefits agent also certified in Medicare and the federally facilitated marketplace, SHOP. Linda has 20 years of sales and customer service experience and prides herself in identifying her clients’ needs and making sure their custom plan fits them, always stressing insurance is not a one size fits all product! Linda is also licensed in property and casualty, but leaves that side to our P&C department as she truly believes in doing one thing, and doing it well!

When Linda is not helping her clients with their insurance needs she is spending time with her husband Kevin, raising their two children and their labradoodle, named River. She says watching her kids in one of their activities is one of lifes greatest pleasures. Born and raised in west Michigan, she calls the shores of Lake Michigan home and enjoys nothing more than a day boating on the Great Lakes or hiking in the great outdoors. Linda is a graduate of Ferris State University, go Bulldogs!

Stefanie Blaisdell Account Coordinator 855-306-1099 Ext. 1017 sblaisdell@44n.com

Stefanie Blaisdell

Account Coordinator

Stefanie works in a dual role as both a Customer Service Representative and Underwriter connecting the dots between the two. She works closely with key agents to customize their needs from beginning to end. With nearly 8 years of experience in the insurance industry from preparing quotes to presenting them, she is well rounded in the business and is always ready for whatever you may throw her way. In this ever evolving industry, she understands the importance of going with the flow and adapting to change.

Stefanie lives in Lake City, Michigan with her family, in what they like to consider their little piece of heaven in the country. They love entertaining their family and friends, having bon fires, playing yard games and riding go-carts. Nothing makes them happier than making a loved one feel at home and putting a smile on their face, besides maybe meeting new people to make smile as well! Stefanie will almost always choose a Jean Claude Van Damn, Liam Neeson or Bruce Willis movie over a tear jerker any day and is a diehard chip fan! Any and every kind, doesn’t matter, she will eat it!

Anette Reid Claims Analyst 855-306-1099 Ext. 1037 areid@44n.com

Anette Reid

Claims Analyst

Annette joined our TPA department in 2015 as a Claims Analyst. Her keen attention to detail allows her to catch things that may cause an issue for our member and she corrects them immediately. She excels in customer service and is always striving to find solutions to any claim issues. Her members always receive her undivided attention and she resolves any issues in the most efficient way possible. Annette enjoys being a part of the 44N family and will always put the clients needs first.

Annette has spent her entire life in Northern Michigan. She enjoys spending time with her family in such a beautiful area. She likes to spend her free time two-tracking on the abundant trails that the area has to offer, and on any given weekend, you might find her attending a local mud bog! She is an avid deer hunter, enjoys target shooting and just being outdoors.

Maggie Southwick Benefits Consultant 855-306-1099 Ext. 1060 msouthwick@44n.com

Maggie Southwick

Benefits Consultant

Maggie’s primary goal at 44North is to educate our employer clients on the challenges the healthcare industry presents. Maggie really enjoys the educational side of her sales role here with 44North. She holds a bachelor’s degree in Business Administration from Central Michigan University and loves her Chippewa’s. On most days Maggie finds herself traveling around the great state of Michigan meeting with prospects and current clients.

When it’s time to relax and take off her work hat, Maggie loves spending time with her three kiddos and husband. They live the quiet life off the beaten path in Northern Michigan. Her All-Time favorite movie is Pretty Woman, she’s very involved with her church, and loves to go horseback riding.

Crickett Marks Account Coordinator 855-306-1099 Ext. 1031 cmarks@44n.com

Crickett Marks

Account Coordinator

Cricket Marks is an Account Coordinator here at 44North. Her main role is to be an extension to our clients Human Resource Department and assist with all insurance related topics.

Crickett enjoys watching movies and T.V. shows with her family. Her all-time favorite movie is The Outsider’s. This movie shows that everyone is different, but not so different that you can’t get along and deep down we all have things in common.

Anette Reid Claims Analyst 855-306-1099 Ext. 1037 areid@44n.com

Anette Reid

Claims Analyst

Annette joined our TPA department in 2015 as a Claims Analyst. Her keen attention to detail allows her to catch things that may cause an issue for our member and she corrects them immediately. She excels in customer service and is always striving to find solutions to any claim issues. Her members always receive her undivided attention and she resolves any issues in the most efficient way possible. Annette enjoys being a part of the 44N family and will always put the clients needs first.

Annette has spent her entire life in Northern Michigan. She enjoys spending time with her family in such a beautiful area. She likes to spend her free time two-tracking on the abundant trails that the area has to offer, and on any given weekend, you might find her attending a local mud bog! She is an avid deer hunter, enjoys target shooting and just being outdoors.

Autumn VanBuren Claims Analyst 855-306-1099 Ext. 1025 avanburen@44n.com

Autumn VanBuren

Claims Analyst

Autumn works with the team in the TPA Call Center as a Claims Analyst. She enjoys helping her clients be at ease, knowing that they are in good hands and that their medical claims are being processed correctly.

Autumn moved to Cadillac from Lansing 9 years ago with her husband and children. She enjoys the quiet peacefulness of Northern Michigan. In her free time, you will find Autumn at the many sporting events that her children participate in, including competitive cheerleading, softball, and football. She also enjoys reading, running, and coffee.

Sheila Peek Benefits Consultant 855-306-1099 Ext. 1050 speek@44n.com

Sheila Peek

Benefits Consultant

Sheila, a proud Traverse City native joined 44North’s team as a Producer. She enjoys being part of a high-energy company and team of “going above & beyond” professionals. Sheila utilizes the resources within 44North for best practices and to stay ahead of the curve with evolving strategies to keep our members feeling confident and well cared for. Her “daily bread” at 44North is putting benefits back into Healthcare Benefits- improving the lives we touch. What would you say to this? “Give us your problem piles, we’ll take care of it for you!”

Sheila’s favorite thing is being a mom – hands down! Raising her one and only daughter Jessica has been her greatest joy. From crafts at the kitchen table, to a cross country trek near the Boston area where she will begin her sophomore year at Wellesley College has been (sometimes bumpy), but always a blessed journey! How Jessica has persevered and earned her exciting path in life, has made Sheila beyond proud!

Along with her husband Jeff, her friends and family tell her that she’s a great cook! That’s fun for her to hear because she loves to cook, bake and host the people she loves. Creating in the kitchen is her “hobby,” and sharing it with her favorite people is her happy place! As a Spartan Alumni, Fall is her favorite for this reason- she’ll be hosting the MSU football neighborhood pot lucks, serving her famous white bean chicken chili!

Crickett Marks Account Coordinator 855-306-1099 Ext. 1031 cmarks@44n.com

Crickett Marks

Account Coordinator

Cricket Marks is an Account Coordinator here at 44North. Her main role is to be an extension to our clients Human Resource Department and assist with all insurance related topics.

Crickett enjoys watching movies and T.V. shows with her family. Her all-time favorite movie is The Outsider’s. This movie shows that everyone is different, but not so different that you can’t get along and deep down we all have things in common.

Autumn VanBuren Claims Analyst 855-306-1099 Ext. 1025 avanburen@44n.com

Autumn VanBuren

Claims Analyst

Autumn works with the team in the TPA Call Center as a Claims Analyst. She enjoys helping her clients be at ease, knowing that they are in good hands and that their medical claims are being processed correctly.

Autumn moved to Cadillac from Lansing 9 years ago with her husband and children. She enjoys the quiet peacefulness of Northern Michigan. In her free time, you will find Autumn at the many sporting events that her children participate in, including competitive cheerleading, softball, and football. She also enjoys reading, running, and coffee.

Bruce Dys Agent Consultant 616-772-6201 bdys@44n.com

Bruce Dys

Agent Consultant

Bruce started in the insurance business November 1, 1976 as a life and health agent for a captive company in West Michigan. In 1982 he became a district manager in Cadillac, Michigan. In 1991 Bruce accepted another promotion as State Manager of Iowa and, finally, in 1996 as a Regional Manager in Raleigh, North Carolina. In 1999 Bruce returned to West Michigan as a life and health insurance producer and sales manager at an independent property casualty and life and health insurance agency. Bruce opened Dys Insurance Agency, Inc. in September, 2005, focusing on small group health, life, and disability benefits as well as individual health plans and life insurance.

Kelsey Dys Licensed Life and Health Support 855-306-1099 kdys@44n.com

Kelsey Dys

Licensed Life and Health Support

Kelsey has been working in the insurance business from the start of her career. When Dys Insurance Agency, Inc. opened in 2005, she went to work for her dad, Bruce. Kelsey became licensed through the state of Michigan in life and health insurance in 2007. In 2012, Kelsey graduated from Grand Valley State University with an AA and BA. She provides high-quality customer service for Bruce and Doug. Kelsey is always looking to help customers in any way she can.

Doug Kuiper Benefits Consultant 616-772-6201 dkuiper@44n.com

Doug Kuiper

Agent Consultant

Doug joined Dys Insurance Agency, Inc. in early 2015 with over 31 years of experience in employee benefits serving over 300 different employers throughout Michigan, Ohio, and Indiana. His experience includes 10 years as President of a West Michigan TPA and 8 years managing the benefits department at a local Grand Rapids property and casualty agency. Doug specializes in individual and group Medicare supplemental plans, working with Blue Care Network, Blue Cross Blue Shield of MI and Priority Health options. As a trusted adviser, Doug brings a hands-on approach and proven track record for developing innovative benefit plans for all types of businesses.

Dave Honaman Chief Financial Officer 855-306-1099 Ext. 1090 dhonaman@44n.com

Dave Honaman

Chief Financial Officer

Dave Honaman has over 35 years of business experience serving in various leadership positions with various corporate enterprises. His career includes five years as a CPA with the national accounting and consulting firm of Ernst & Young; 23 years serving in various senior management positions with the $500 million multi-state publicly traded building supply firm, Wolohan Lumber Co. (NASDAQ symbol WLHN); nine years as CFO and Treasurer with a civil engineering firm, Wilcox Associates, Inc.; and presently he services as a Principal, CFO and Treasurer/Secretary of 44North. During his business career, Mr. Honaman has been responsible for functions including financial, accounting, systems, operations, administration and strategic planning within these organizations. He also has served or is serving as, a member of the Board Directors for a number of Companies including Fullerton Lumber Co., Minneapolis, MN. and Wolgast Corporation, Saginaw, MI, and 44North. As such, he has provided corporate and board oversight to both privately held and publicly traded stock companies.

In addition to his corporate responsibilities at 44N, he is a Senior Consultant to various 44N clients and holds a property & casualty and a life and health insurance license in the states of Michigan, Florida, Tennessee and Georgia.

Sarah Kline Operations Manager 855-306-1099 Ext. 1093 skline@44n.com

Sarah Kline

Operations Manager

Sarah works with our service team providing insight and direction for the moving parts of our service department, ensuring organizational efficiency, customer service superiority, and reinforcing a company philosophy of not accepting the status quo. Her involvement in a wide range of roles at 44North started in 2007 writing plan documents for our TPA and gaining knowledge at many levels of the agency as a Customer Service Representative, Underwriter, and Marketing Coordinator. Drawing from this experience allows her to support the team in continuous improvement and expansion of our service offerings.

Sarah lives with her family in the Cadillac area. She enjoys volunteering as a Sunday school teacher of 3-4 year olds at her church. She likes to travel, especially to areas with a rich historical past, but loves the peace and small town feel of her home in Northern Michigan where she occasionally craves the benefits of larger city life when she has an overwhelming urge to find the next “perfect” pair of shoes.

Sharease Beaudet People Operations 855-306-1099 Ext. 1029 sbeaudet@44n.com

Sharease Beaudet

People Operations

In the People Operations role at 44North, Sharease assists 44North team members with a variety of human resource functions such as employee benefits, managing, recruiting and hiring employees, and continuing education. Sharease loves being part of a growth oriented company and enjoys searching for candidates that would fit the fast-paced environment here at 44North. Most of all, she loves seeing employees achieve their personal and professional goals. She is leader of 44North’s social committee and has implemented the Spark Leadership program.

In the summer Sharease prides herself on her outdoor grilling skills. It is her favorite past time. Sharease says her family is her life! She has two beautiful daughters with her husband (they’ve been married for a quarter of a century). Together as a family they enjoy camping, fishing, raising chickens and snow days out at Caberfae.

Melissa Hayes Project Coordinator 855-306-1099 Ext. 1082 mhayes@44n.com

Melissa Hayes

Project Coordinator

Melissa is the project coordinator for 44North. In addition to making sure the projects run on time and are completed within the guidelines, Melissa is responsible for creating efficiencies and identifying areas that need improvement. Melissa tries to ensure that everyone at 44North has the tools they need to complete their jobs in the most efficient way.

Melissa has an amazing husband, 3 beautiful boys, and 2 dogs. Free time is scarce in Melissa’s household as trying to keep up with 3 boys is quite the task. When that free time finally arrives, she enjoys fishing, gardening, or experimenting with cooking.

Tracie Smith Member Services Manager 855-306-1099 Ext. 1006 tsmith@44n.com

Tracie Smith

Member Services Manager

Tracie began work at 44North in August 2011 as a Claims Analyst and then moved to Member Services Manager in 2015. With a team-oriented approach focused on staff development and empowerment, Tracie oversees and coordinates the activity of the Claims Analysts and Patient Advocates while upholding best practices and 44North service standards.

Tracie is a native to Cadillac, Michigan and lives here with her husband, children and 2 dogs. In the summers Tracie and her family can be found at one of Michigan’s beautiful campgrounds or golf courses. Her favorite thing to do is spend time with her family and friends engaging in a fun card or board game.

Mike Hurd IT Director 855-306-1099 Ext. 1091 mhurd@44n.com

Mike Hurd

IT Director

Michael heads our IT department leveraging technology to meet operational goals. He works with hardware and software vendors to make available the tools needed to better serve our company's clients and researches opportunities to improve our processes. He has over 25 years of experience in the information technology field and enjoys the challenge of automating behind-the-scenes processes to give our analysts more time to work directly with our clients.

Michael lives in Cadillac, Michigan with his wife, Kristine, and their son, Ian, while their oldest son, Sean, lives and works in Tucson, AZ. The whole family enjoys skiing and snowshoeing in the winter. During the summer they play tennis, go for walks, and play an occasional round of golf. Michael and the boys enjoy shooting sports and visit the local range frequently, and the local YMCA is also a popular spot for this family all through the year.

Allen Stickles Systems Administrator 855-306-1099 Ext. 1013 astickles@44n.com

Allen Stickles

Systems Administrator

Allen works in our Information Technology Department and is responsible for keeping the technological side of our operations up and running. He maintains the servers, networks, and workstations at each of our sites, as well as mans the help desk. He has 10+ years experience in information technology and is the primary point of contact for our employees when an IT issue arises.

Allen lives in Cadillac, Michigan with his wife Margaret, and their four children: Leona, Hollye, Greg and Rachel. They enjoy going on family adventures to various locations across Michigan and having as much fun as possible together. Being a “typical IT nerd”, he is a fan of Star Trek, Doctor Who, and enjoys playing games on his PC. Allen likes to go fishing with his kids, deer hunting, playing paintball, and is rarely seen without a cup of coffee in his hand.

Carol Gaffney Accounting Manager 888-269-7620 Ext. 8156 cgaffney@44n.com

Carol Gaffney

Accounting Manager

Carol works as an Accounting Manager here at 44North. Her main duties are overseeing the daily operations of the accounting department along with the accounting team.

In her free time she really enjoys taking long walks, bike rides, and snowshoes (not all in the same day) along the gorgeous Lake Superior shore or on any of the beautiful trails in the U.P. Her and her husband, Joe have two children, a daughter (Nora) and a son (Colin) and two pugs, Puck and Gordie. Her daughter attends Albion College. Her son is finishing up his last year of High School and may attend Albion next year. Go Brits!

Joyce Falan Accounting Processor 855-306-1099 Ext. 1014 jfalan@44n.com

Joyce Falan

Accounting Processor

Joyce is part of our Accounting Team, where she processes our accounts payable, accounts receivable, and the monthly COBRA reimbursements to the groups. She also handles other special requests for Quick Books reporting along with occasional duties for our payroll processing. Joyce enjoys working with numbers and likes to make sure everything balances.

Joyce lives in the Cadillac area with her husband and family who lives close by. When the weather is warm, Joyce likes to be outside where she can work in her vegetable and flower gardens. She enjoys traveling and attending all of the activities in which her two grandchildren participate. Joyce and her husband enjoy fishing or even just going for a ride around the area.

Barb LaCombe Administrative Assistant 888-269-7620 Ext. 8110 blacombe@44n.com

Barb LaCombe

Administrative Assistant

Barb is the receptionist in the Marquette, MI office of 44North. She joined our team in 2013. She is a Northern Michigan University graduate. As the first contact customers have, Barb plays an integral role in providing an excellent customer experience. Whether you are calling in or walking in, she will assist you in getting you to the right team member.

Barb and her youngest of three children live in Marquette, MI. Enjoying the outdoors is her favorite thing to do. You can find her on her mountain bike, cruiser bike, snowshoes, cross country skis or downhill skis with her great friends and family when she isn’t at 44North.

Minnie Olmstead Administrative Assistant 855-306-1099 Ext. 1008 molmstead@44n.com

Minnie Olmstead

Administrative Assistant

Minnie works in the accounting department as part of the commission team. Recently focusing her attention to P&C commission reporting.

Minnie is a native to the Cadillac area & feels Cadillac is among the most beautiful spots in Michigan. In her free time she enjoys spending time with her family and friends. She has 2 adult children, 5 grandchildren & 2 great grandchildren. She enjoys visiting her grandson’s family in Florida when she can.

Chris Liponoga TPA Manager 855-306-1099 Ext. 1080 cliponoga@44n.com

Chris Liponoga

TPA Manager

Chris has been an instrumental part of the team since September 2003. She is licensed by the State of Michigan for Health, Life and Accident Insurance and is also a Chartered Benefit Consultant. Chris manages the TPA Department that started with just 1 1/2 people to more than 20 employees today and still growing. She thrives on keeping our clients compliant while helping them save premium and tax dollars using creative plan designs including HRAs, HSAs and Flexible Spending Accounts.

Chris relocated her family from Southeast Michigan to Tustin, Michigan in July of 2000 and never wants to move back to the City. Most of the time you will find Chris sitting at her desk, but when she isn’t, she enjoys reading mysteries, camping, scuba diving (in tropical locations) and spending time with her granddaughter. She is also looking forward to her daughter graduating from Michigan State University.

Angie Weinrick TPA Plan Setup Processor 855-306-1099 Ext. 1084 aweinrick@44n.com

Angie Weinrick

TPA Plan Setup Processor

Angie is helping with the programing of our clients’ plans into the software we use to track claims. She makes sure that the claims coming in calculate correctly for our Claims Analysts who provide support for the needs of our clients. She has over five years of experience as a Claims Analyst and is licensed for accident, health and life under the State of Michigan’s Department of Insurance and Financial Services (DIFS).

Angie lives in the Manton area where she has grown up. She enjoys spending time with her son along with that rest of her family. She likes to travel to new places and see new things. When relaxing, Angie likes to read and she enjoys working in her garden. She likes hiking through nature and has enjoyed some time in the Smokey Mountains this past summer.

Cindy Bazuin TPA Plan Setup Processor 855-306-1099 Ext. 1034 cbazuin@44n.com

Cindy Bazuin

TPA Plan Setup Processor

Cindy programs our clients’ plans into the software we use to track claims. She makes sure that the claims that come in will calculate correctly for our Claims Analysts who provide support the needs of our clients. Cindy supports our TPA Manager with other tasks as needed and is a very important part of our team. She has 3 years as a Claims Analyst and is licensed for accident, health and life under the State of Michigan’s Department of Insurance and Financial Services (DIFS).

Cindy lives in the Cadillac area where she enjoys spending time with her daughter. When it is summer she likes to be close to our beautiful local rivers and in the winter she enjoys getting out to snowshoe. In Cindy’s spare time she likes to hit the gym with a workout or escape to a rock concert. Cindy strives to keep an active lifestyle and is a top finisher in our wellness program provided by our employer.

LeeAnna Mozden Service Administrative Assistant 855-306-1099 Ext. 1062 lmozden@44n.com

LeeAnna Mozden

Service Administrative Assistant

LeeAnna Mozden joined the 44North Team on August 23, 2016. As a Service Administrative Assistant at 44North, LeeAnna is responsible for many tasks. Her primary responsibility is to ensure all of our client’s FSA contributions are processed correctly. While the FSA contributions takes up most of her time, she assists with the TPA Check Processing when additional help is needed, runs the mail machine, processes and distributes incoming mail as well as helps out with any other tasks her team may need her to handle.

When LeeAnna is not working she likes to spend time with her 5 children and 3 grandsons. The enjoy family dinners on Sunday’s whenever possible. She also enjoys creating art and painting on large canvas. If LeeAnna could go anywhere all expenses paid, she would travel around Ireland exploring the hundreds of castles. What a dream come true for her that would be!

Cheri Smith Carrier Direct Feed Processor 855-306-1099 Ext. 1083 csmith@44n.com

Cheri Smith

Carrier Direct Feed Processor

Cheri works directly with our TPA department, making sure that our Claims Analysts in our Call Center receive the information they need to review our clients’ claims for correct processing. She is licensed in life, accident and health insurance. Cheri has been with the company for 6 years and continues to be a supportive team member helping train our Claims Analysts in different aspects of claims processing. She runs daily reports for the Claims Analysts for expedient and efficient processing for our clients. In addition to this, Cheri keeps our provider database up to date verifying correct contact information for billing.

Cadillac, Michigan is where Cheri calls home. She grew up in the area and has currently lived here for 6 years. In her spare time, Cheri likes to spend time with her husband, Ronnie, traveling to see her grandbabies and family. She also likes to read, watch movies, travel, and explore the Michigan wine country. If she had an all-expense paid trip, she and her husband would go where it is warm with sand beaches and wine, which means she’s going to Italy!

Kristine Felsk COBRA Processor 855-306-1099 Ext. 1049 kfelsk@44n.com

Kristine Felsk

TPA Check Processor

Kristine supports the whole company in her department, making sure the client’s processed claims that are ready for payment, are sent out in a timely manner. What she enjoys the most is seeing a complicated issue get resolved and that her staff or client can rest assured that they were well taken care of.

Kristine lives in Leroy, Michigan with her husband, Matt, and two daughters, Aaliyah and Sophia. Kristine and her family have 6 horses and 5 dogs. She spends most weekends in the summer camping and barrel racing with Matt and the girls. Kristine’s favorite time of year is the fall, when the leaves change and she can sit by a campfire with her family.

Kristin Mackie Administrative Assistant – Plan Docs 855-306-1099 Ext. 1065 kmackie@44n.com

Kristin Mackie

Administrative Assistant – Plan Docs

As a member of the TPA Team, Kristin prepares the required legal documents for Clients who establish or maintain a relationship with 44North as their Third-Party Administrator. Using information received from the Account Coordinators, documents are created and/or revised based on the specific needs of each Client. Completed sets of Plan Documents are then turned over to the Account Coordinators for delivery to the Client. Kristin sustains the Client portal by uploading signed documents, thereby making them available as an electronic reference for plan participants. She also maintains several reference sources used internally by other members of the TPA Team, particularly the Claims Analysts.

Outside of work, Kristin has spent most of her life yearning to visit Great Britain, Italy, and Greece but, so far, hasn’t made it farther east than the Chesapeake Bay region. An avid singer, and still relatively new to the Cadillac area, she is currently searching for a new “choir home” while developing a love for karaoke at a local watering hole. She also enjoys knitting, reading, biking on the Fred Meijer White Pine Trail, and evening walks around her neighborhood with her husband, Will.

Ruth Carra Refund Processor

Ruth Carra

Refund Processor

Ruth is a refund processor for 44North. She is responsible for a smooth transition of refund checks from beginning to end. Ruth mainly works with our Claims Analysts processing refund checks from the providers and communicating with the analysts their progress through the various stages. She ensures a quick turnaround for the refunds coming in from various providers making sure they get back to our clients, saving them money.

Ruth is new to Cadillac, she is originally from Eastern Pennsylvania but has also lived in Missouri and Oregon. She moved here with her husband, Mark and son, Peter as well as their 2 border collies, Remy and Daisy. Ruth loves being with her family, summers, camping and road trips, especially back to PA to visit her large family with lots of sisters, nieces and nephews. She enjoys seeing our beautiful country and excited to see more of Michigan.

Deb DeWitt COBRA Administrator 855-306-1099 Ext. 1086 ddewitt@44n.com

Deb DeWitt

COBRA Administrator

Deb has been with the company for more than seven years and has been the COBRA Administrator for the duration of her stay. The most fulfilling part of her position is when she has the opportunity to help a COBRA client continue their insurance coverage when it’s most needed. She also enjoys the camaraderie of the staff and knowing she can receive or give assistance as the need arises.

Deb lives in the Cadillac area with her husband and family. In the summer she enjoys gardening and dreaming about sitting on the beach enjoying a good book. Her favorite place to be in the winter is curled in front of the fireplace enjoying a good book, knitting and a glass of good wine. Her future plan includes to travel with her husband and friend to Italy where she can enjoy the beaches, its wine country and fine cuisine.

Arden Halpin COBRA Processor 855-306-1099 Ext. 1008 ahalpin@44n.com

Arden Halpin

COBRA Processor

As a COBRA Processor, Arden assists in some of the daily duties and responsibilities of the COBRA Administrator. The main goal in the COBRA department is to help employers and employees understand their rights under the Consolidated Omnibus Budget Reconciliation Act of 1986 (COBRA). She helps supply the necessary information and means for employees to elect continuous coverage for themselves and/or their families in the event of losing benefits during a life changing event.

Arden moved back home to the Cadillac area after 8 years in Alaska with her two children in July 2015 to be closer too family. She enjoys being a mom and loves to go on walks and riding Trikkes with her children around Lake Cadillac. Arden enjoys hanging out and doing most anything, especially if it is with friends or family. Of course, she loves going to see the newest Marvel or DC movies or just going out for a Caramel Mocha Coffee with her kids.

Amber Nichols Wellness Coordinator 855-306-1099 Ext. 1075 anichols@44n.com

Amber Nichols

Wellness Coordinator

As 44North’s Wellness Coordinator Amber brings passion for healthy living to a whole new level! She has worked in the medical and health field for over 6 years as a state Certified Nurse Assistant and became a certified personal trainer through the National Academy of Sports Medicine. Her enthusiasm for improving people’s lives carries over into our wellness program. She is extremely dedicated to helping others live happier, healthier lifestyles.

Amber lives in the small town of Tustin, MI with her family. She enjoys hunting, swimming, snowboarding and almost anything that gets her outdoors. Amber believes strongly that laughter is good for your health and if you ask either of her children they will tell you she is the funniest person they know.

Deb Langworthy Telemedicine Service Representative 855-306-1099 Ext. 1085 dlangworthy@44n.com

Deb Langworthy

Telemedicine Service Representative

As the Telemedicine Service Representative, Deb Langworthy ensures that groups are enrolled and setup in a timely matter. She communicates with all departments to verify information is accurate and accounted for. Deb Langworthy has been a part of the 44North Team for 9 years and has worked in several different roles. She started her career in Accounting and Plan Documents and she has since been in our Enrollment Department and most recently moved to our Telemedicine Department.

Deb and her husband are lifelong residents of the Cadillac area and enjoy spending time with their son and daughter-in-law. Deb is a coordinator for one of our local Youth Camps and loves organizing the activities for the kids to do while there. She is always willing to try new things or go to new places. Her adventurous side is always shining through.

Jen Meekhof Underwriting Lead 855-306-1099 Ext. 1005 jmeekhof@44n.com

Jen Meekhof

Underwriting Lead

Jennifer serves as the Underwriting Team Lead for 44North focusing on both the development & management of the Underwriting team, as well sales & retention. Working closely with her team, she is responsible for analyzing and developing cost effective strategies for clients and prospects. An important focus of Jennifer's role in Underwriting is identifying ways to keep up with and adapt to the everchanging rules and regulations in today's benefits market. As a licensed life and health agent, she has enjoyed working with the team members of 44North in various capacities for 16 years, spending the past 8 years in Underwriting.

Jennifer, her husband and three kids, live in Cadillac, Michigan, where they love spending time in their garden, hunting and camping throughout northern Michigan. In the winter months, she enjoys snowshoeing, cooking and getting lost in a good book. If given the opportunity, Jennifer's dream vacation would be to travel throughout Europe; visiting the sites and landmarks she's read about while pursuing her favorite pastime- perusing historical fiction.

Cherie Johnson Underwriter 888-269-7620 Ext. 8126 cjohnson@44n.com

Cherie Johnson

Underwriter

As an Underwriter, Cherie quotes and creates proposals for her groups with her goal being to help the producer find the best possible benefit packages for the most affordable premiums. She has spent nearly 18 years working in the health insurance industry with career aspirations to become an underwriter and she truly loves her position at 44North. She is a licensed health insurance agent in the State of Michigan.

Cherie loves to smile and be nice which is a habit. At the end of her day, she will gladly pass by the housework to spend time playing with her kids or dogs as that is when she is happiest. She lives outside of Ishpeming, Michigan in the Upper Peninsula with her husband, Brian, two children: Bode and Ani, dogs: Gunner Pickle Johnson and J.R. Gravy Train Johnson, and her cat: Volcanic Conception.

Nick Kassuba Underwriter 855-306-1099 Ext. 1028 nkassuba@44n.com

Nick Kassuba

Underwriter

Nick serves as an Underwriter with 44North, working diligently to provide our clients and prospects with the most cost-effective benefit options possible. He works with our producers as well as the insurance carriers to provide benefit analysis and quoting for both our current and prospective clients. Nick is also licensed with the State of Michigan in Accident & Health and Life Insurance. He holds a Bachelor’s degree in Finance and Economics from Lake Superior State University.

Nick lives in Lake City, Michigan with his wife, Kasey, and son, Benjamin. He enjoys playing golf, camping, kayaking, and taking evening walks with his family. Nick is an avid sports fan and loves watching the Tigers, Red Wings, Packers, and MSU Spartans. Go Green! Although it’s hard to choose just one, Nick’s favorite movie is probably Goodfellas. Although he also can proudly rattle off any line from Will Ferrell’s movies as well.

Scott Dexter Underwriter 855-306-1099 Ext. 1076 sdexter@44n.com

Scott Dexter

Underwriter

As an Underwriter for 44North Scott works closely with his team focusing on sales and retention, including benefit and risk analysis, alternative funding options and plan marketing. Scott also uses his 15 years of underwriting experience to assist in the development of new products and solutions for our clients, including creative self-funding solutions and data analytics.

Scott lives in Rockford Michigan with his wife and three children. In the summer, they enjoy outdoor activities including swimming and boating as much as possible. In his free time, Scott enjoys golfing when the weather is nice, and a good movie when it’s not. He is also an avid Spartan fan and looks forward to the next big rivalry game.

Kelly Dent Online Experience Architect 855-306-1099 Ext. 1053 kdent@44n.com

Kelly Dent

Online Experience Architect

As the Online Experience Architect on our Online Enrollment Platform, Kelly holds a critical role, ensuring that the benefit information uploaded for each client is clear and concise. She works closely with the client, to collect their benefit information and also with the members as they enroll in their benefits, on the platform. She works diligently with her team members, to handle any pressing enrollment matters as they arise. Kelly strives to adhere to client service standards of the department and agency.

Kelly relocated to Cadillac, MI in March of 2014. She is married with 3 children. Kelly enjoys reading, cooking, music and spending time with her family exploring Northern Michigan. Her newest passion is running, inspired by the 44North wellness team. She has completed the Fifth Third Riverbank 5K and the GR Marathon relay multiple times, along with many other races since 2014 and more on the agenda for 2017.

Kris Hurd Online Experience EDI Specialist 855-306-1099 Ext. 1089 khurd@44n.com

Kris Hurd

Online Experience EDI Specialist

Kris works with the Online Experience system as the team’s Electronic Data Interchange (EDI) programmer. Her main focus is to program the electronic enrollment reports that flow between the client and the carriers. She also monitors the reporting process for correctness and timeliness; troubleshooting any areas that need support.

Kris resides in the beautiful City of Cadillac, Michigan with her husband, Mike, the parents of two grown sons. When Kris isn’t at the office she enjoys spending time with her family and friends, whether while sharing a meal, playing games, or being down at the lake during the warm summer months. She also volunteers for the U.S. Air Force Auxiliary, Civil Air Patrol, serving in many capacities, with her favorite being an aircrew Mission Scanner for Search and Rescue (SAR) sorties. When it’s time to relax, you’ll find Kris enjoying one of her many creative hobbies, watching a movie, or catching a favorite sports team.

Brooks Stewart Online Experience Specialist 855-306-1099 Ext 1057 bstewart@44n.com

Brooks Stewart

Online Experience Specialist

Brooks joined the company as part of the Online Experience Team for the new Bswift program. She works closely with the account team members to ensure client data is accurate and complete for programming purposes. This translates to a pleasant experience for clients utilizing our online system for enrollments. She attended the Fashion Institute of Design & Merchandising and earned her degree in Merchandise Marketing.

Brooks is new to Michigan. She relocated from California, where she’s originally from, to her sweetheart Kasey’s hometown of Cadillac. They have two boys, Titus and Dominik, who are very energetic and are enjoying experiencing life in the country. She enjoys dancing (especially Hula/Polynesian), reading a good book, and watching her boys play sports. She loves music, movies and of course spending time with family and friends.

Vicky Warner Online Experience Specialist 855-306-1099 Ext. 1032 vwarner@44n.com

Vicky Warner

Online Experience Specialist

Victoria works in the TPA as a Patient Advocate. Victoria has an Associates of Applied Science degree and came to us with 7 years of medical billing and coding experience. Victoria lives in Cadillac, Michigan with her fiancé, Ryan, two daughters, and son. They enjoy ice skating, bowling, sledding and running as a family. If she were to name one thing she’s really good at it, it would be playing softball. She has been playing since 2nd grade and continues to play now on a coed summer league. She has a pretty good arm on her.

Lori Glynn Online Experience Specialist 855-306-1099 Ext. 1043 lglynn@44n.com

Lori Glynn

Online Experience Specialist

Lori works in our underwriting department serving as point person for our producers and customer service representatives. She started as a claims analyst and has changed her direction into the underwriting position, and truly enjoys her job and working with the people around her. As an underwriter she creates health insurance quotes to help our clients receive the best options for their health care plans. Her drive for helping others is her number one priority.

Lori just moved to Beaver Island with her husband, Steve, and their son, Andy. They are trying to get back to nature as much as possible. They enjoy hunting, fishing, having bon fires, and hanging out at the beaches. During the summer you can find them at those beaches trying their luck with canoeing or kayaking. In the winter months, she wants to try out snowshoeing on all the trails on the Island. In the near future Lori wants to try her hand at gardening and raising chickens.

Ciara Bonk Enrollment/Eligibility Processor 855-306-1099 Ext. 1003 cbonk@44n.com

Ciara Bonk

Enrollment/Eligibility Processor

Ciara is an Enrollment/Eligibility Processor for 44North. She was previously an Account Coordinator and moved to the Enrollment Team in January of 2017! Ciara holds her Life, Accident & Health Insurance License. She assists in auditing group coverages to ensure employees are enrolled in the correct benefits. Enrolling members as well as their families into the benefit plans they need is a rewarding part of her job. Ciara couldn’t be happier working with such a great team of people in the fast-paced environment of health care, learning something new daily.

Ciara is from the U.P. and is new to Danville, Indiana with her two children, Kiara and Jayden as well as her fur baby Bella. They enjoy spending time with their family and taking adventures to explore all that their new home state has to offer. Most of all, they love to travel and are ready to get in the vehicle and road trip anytime. If they are not out exploring, hanging out at the local splash pad or with family they are snuggling watching a movie or making some sort of fun silly kid’s craft.

Lori Harnish Enrollment/Eligibility Processor 855-306-1099 Ext. 1087 lharnish@44n.com

Lori Harnish

Enrollment/Eligibility Processor

Lori works in our Enrollment Department, processing enrollment, terminations and changes. She has been with the company for over five years and enjoys working with her teammates here at 44North. When she is doing enrollments it gives her a satisfied feeling knowing that people are getting the coverage that they need.

Lori hails from Mesick, Michigan and lives there with her family. She loves to cook and provide for her family. She volunteers at her church whenever a church dinner is needed, and helps create care baskets for college students and the sick in her community. In the summer she likes to go for walks, and enjoys the time she gets to spend with her children and parents.

Stacie Dvonch Enrollment/Eligibility Processor 855-306-1099 Ext. 1058 sdvonch@44n.com

Stacie Dvonch

Enrollment/Eligibility Processor

As the TPA Enrollment Processor at 44North, Stacie takes care of all the enrollments for FSA’s, HRA’s, HSA’s and Flat plans. She strives to make sure every detail is caught and entered correctly and in a timely manner for all of our groups.

Stacie lives in LeRoy with her two children. She enjoys spending time with her kids playing sports, being outside, and volunteering with LASO. She is also a Local Elected Official for LeRoy Township since 2008. She loves hanging out with friends and family, but also meeting new people. If she had an all-expense paid trip she would go to Ireland, it is so beautiful and has so much history.

Becky Shaw Enrollment/Eligibility Processor 855-306-1099 Ext. 1026 bshaw@44n.com

Becky Shaw

Enrollment/Eligibility Processor

Becky is an Account Coordinator here at 44North. She works closely with her team to ensure that our members receive the highest quality care. Becky has been here for almost two years, and loves the satisfaction that comes in knowing she is helping others.

Becky lives in Gwinn, Michigan. She is an avid traveler. She has lived in several different states and spent 2 months in Melbourne, Australia. She taught outdoor education for 12 years in both camp and public settings. At one facility she was an alligator wrangler with a gator named Wiley. Becky has also taught in the public and private school systems for 3 years and lead seminars at the Northwestern Michigan Community College’s Rogers Observatory in Traverse City for the public and the Grand Traverse Astronomical Society for 6 years. For leisure, she enjoys painting, hiking, reading, researching and writing educational programs, playing piano and watching movies.

Noel Parsons Business Development 855-306-1099 Ext. 1051 nparsons@44n.com

Noel Parsons

Business Development

Noel works in our marketing department helping our company reach desired sales goals. He works closely with our sales team building key relationships and keeping our team on the forefront of new opportunities. He has 11 years’ experience in a marketing and business development role and truly enjoys working with people. His understanding of our products and services is crucial to his position as he is often the first contact with new organizations.

Noel lives in Cadillac Michigan with his wife Rachel, their daughter Violet and son Vance. They enjoy their summers on the lakes and being outdoors. If he was to name one thing he’s really good at, it would be swimming. Despite his large stature, he can move like a fish in the water. His favorite movie of all time is Good Will Hunting (it still makes him cry). Noel is an avid Detroit sports fan and loves a good olive burger.

Amanda Paschall Marketing Coordinator 231-306-1049 apaschall@44n.com

Amanda Paschall

Marketing Coordinator

Amanda is the Marketing Coordinator for 44North. She enjoys working closely with our sales force keeping them connected to clients and prospects through marketing efforts. Each day she wears many hats and finds her position at 44North a complete adventure from day to day.

Amanda enjoys spending time with her family and friends, cooking and enjoying the sunshine (when it is out). This includes time on the boat, camping, bonfires and even a little disc golf. If she could go anywhere on a trip, it would be a trip through Europe, visiting as many countries as possible!