Larry Dust, Chief Executive Officer
Larry Dust is the CEO of the Key Family of Companies. Larry has substantial background in the insurance industry. He was a brokerage supervisor for Aetna Life and Casualty until he co-founded Life Insurance Brokerage Agency, Inc., an independent life insurance agency, in 1973. In 1976 he co-founded Key Life Insurance, and then established Key Benefit Administrators, Inc. in 1979. Key Benefit Administrators (KBA) was acquired by Blue Cross/Blue Shield of Indiana in 1985, and Larry became one of the executive management staff of the Associated Group, the parent of Blue Cross/Blue Shield. He was involved with the founding of Anthem during his tenure with the Associated Group. In 1992 he repurchased KBA and has built that business into a leading benefits administrator in the United States. In 1998 he founded the American Health Data Institute (AHDI) and has subsequently been granted four U.S. Patents concerning population management. Since 2000 AHDI has statistically-proven results of improved participant health, lower healthcare costs, and higher quality of care using these patented processes. A native of Indiana, Larry is a graduate of Indiana University.
Joyce A. Schrader, Vice President and General Counsel
A graduate of Cornell University with a bachelor’s degree in industrial and labor relations, Joyce holds her JD from the University of Virginia. Her responsibilities include oversight of compliance related to group benefits, including Department of Labor regulations. In March 2018, Joyce joined the company as Assistant General Counsel. She has more than 20 years of legal experience, including more than 10 years as in-house counsel, advising on matters such as HIPAA privacy and security, claims submission and appeal, and network contracting.
Bradley P. Ray, Chief Financial Officer
A Certified Public Accountant, Brad holds a BS in Accounting from Indiana University and has over 32 years’ experience in life insurance and benefit accounting. He currently serves as CFO for many of the Key Companies. Brad joined the Key Family in June 1979.
Patrick Cohen, Chief Operating Officer
A graduate of the Indiana University Kelly School of Business, Patrick joined the Key Family of Companies in 2004 and now serves as our Chief Operating Officer. In this role Patrick has responsibility for the day-to-day operations of all KBA Third Party Administration Operational Units. Upon joining the Key Family, Patrick held various positions within the organization including Vice President of Product Relationships, where he was responsible for the management of several Key Family of Companies partnerships. Patrick has also served KBA in Vice President level positions with oversight of Billing and Eligibility, Premium Accounting, Policy Fulfillment, and EZ Benefits Portal Technology. Prior to joining the company, Patrick held key project management roles with a leading technology company based in Indianapolis.
Brad Wilson, Chief Information Officer
Brad Wilson is the Chief Information Officer for the Key Family of Companies. He started in the IT industry 20 years ago after he founded and ran a franchise company for several years. After three years developing provider payment software, he joined KBA in 2002 and helped grow the development team from two people to a team of more than 14. In 2012, Brad took some time to found and build a separate online enrollment company, returning to KBA in 2014 as the Chief Information Officer. Brad has helped steer KBA through exceptional growth over the last several years including nearly doubling the IT department.
Tiffany Alsabrook, Vice President of Customer Care
In this capacity, Tiffany oversees both customer service and claims processing for both fully-insured and self-funded health plans and she oversees all operations of the Flexible Benefit department (i.e., FSA, HRA, and Section 125). Tiffany joined Key Family in 2000 after spending seven years in the banking sector. During her tenure at Key Family, Tiffany has had the responsibility of re-structuring and managing the Operational Support, Statistical Analysis, and Data Entry Departments. Tiffany was responsible for the project plan and implementation of EDI, OCR, and claim automation functions. Tiffany attended Ball State University.
Oliver Ayres, President of RGI
Oliver is a graduate of Indiana University, Bloomington. Oliver joined Key Benefit Administrators in 2005 and has held multiple positions throughout many departments within the Key Family of Companies. In 2012, Oliver began serving as the Vice President of RGI, LLC and now serves as President of RGI. He oversees the Underwriting, Marketing, Product Development and Operations of RGI. Oliver has served on multiple Key Family Executive Leadership Boards throughout his tenure.
Angela Cromer, Senior Vice President Relationship Management, Implementation, Fulfillment, Data Entry, COBRA
Angela Cromer has more than 20 years’ of experience in health insurance, joining Key Benefit Administrators in 2007. As Senior Vice President of Relationship Management, she oversees the Fully Insured Carrier and Direct To Employer relationships, as well as the Implementation, Fulfillment, Data Entry and COBRA departments. Angela previously was the Auditing and Training Manager as well as the Lead Corporate Trainer. Her area of expertise is in health insurance operations with a focus on client management. Prior to joining KBA, Angela worked at Cigna Healthcare as a Client Services Partner, and previously held positions in management, training and customer service. During her time at Cigna she received her Six Sigma Green Belt which further developed her love of finding efficiencies and streamlining processes. Angela’s original career path was visual arts and graphic design, in which she practices now as a hobby.
Jennifer Cutsinger, Operational Accounting and Commissions VP
Jen has over 35 years in the health insurance industry, which includes leadership positions with Anthem and United Healthcare. Her experience expands across Customer Service, Claim Administration, Client Service and Sales Administration. She is currently responsible for the collection and distribution of premiums, as well as broker commission payment, carrier reporting and lapse/collection efforts. Jen joined Key Family of Companies in July, 2014.
Gina Downs, Vice President of Senior Connection
A graduate of Purdue University with a B.A. degree in Psychology, Gina has been with KBA since 2010. She oversees the day to day operation, marketing and growth of Senior Connection which markets insurance products to seniors in the Evansville, IN. market. Her focus is on building our senior business. Before joining our team, she worked for Aflac for four years in the group market selling indemnity plans.
Anita Dust, CLU, FLMI, Vice President Recovery
Anita started her career with Jefferson National Life Insurance Company, working there in various departments for ten years before joining Key Benefit Administrators in 1982. During her tenure at Key Family of Companies, Anita has been involved in the operations of nearly every department including Claims, Customer Service, Billing and Eligibility and Client Relations. She has served as the Vice-President of Claims, President of Cost-Pro, and President of Key Benefit Administrators, our Indianapolis, Indiana, TPA. Anita attended Indiana University in Indianapolis and also holds designations of CLU and FLMI.
Nicole Oliver, Senior Vice President, Client Services
Nicole Oliver joined KBA in 2001 as an Account Representative in the client services department. During her tenure she has also held the role of Benefit Consultant, Client Vice President and Vice President of Client Services. She currently is the Sr. Vice President of Client Services, overseeing a team of Client Vice Presidents, Benefit Consultants and Account Representatives. Nicole began her career in the health insurance industry more than 25 years ago, having worked in Third Party Administration, Customer Service, Agency Services and as Benefits Coordinator on the employer side. Nicole grew up in South Carolina and continues to reside in the area.
Craig Frazier, SPHR, Vice President of Human Resources and Marketing
A graduate of Lee University with a bachelor’s degree in Business Administration, Craig joined Key Family in 2003 in the IT department and has held various operational and management positions within the company prior to his current role. His responsibilities include leading the Human Resources department, services, policies and programs including the development of practices that support a culture of ownership, quality, goal attainment, and the recruitment of a world class workforce. Craig is a member of the Board of Management and the Executive Staff for Key Family.
Heath Parker, Senior Vice President of New Business Development
Heath has over 22 years of experience in the employee benefits industry working on consulting with agencies, insurance companies and Third Party Administrators on the sales, analytics and implementation of self-funded products, marketing, strategies, and distribution. Heath has been successful in the deployment of specialized products with ACA strategies, hospitals, agencies and Third Party Administrators and achieved significant growth in each of these segments throughout his career. Heath continues to lead successful campaigns with brokers, consultants and employers understanding the impacts of Healthcare Reform and deployment of creative solutions in the marketplace. Heath runs the sales organization that continues to expand with Regional Representatives covering all parts of the country. Heath joined the executive team at Key Benefit Administrators in 2007 and consistently deploys creative and unique strategies in his position at KBA.
Tom Satarino, President of the American Health Data Institute
Tom serves as President of the American Health Data Institute, an affiliate company focused on Population Health Management. Tom joined the company in 2001 as Chief Human Resources Officer for The Key Family, and in 2011 he became COO of Pinpoint Wellness Systems. He began his insurance career in 1981 and has held various human resources and operations positions with national property and casualty and health benefit companies based in Texas, New Jersey, Ohio, and Indiana. He is a member of the Executive Staff for Key Family. Tom graduated from the University of North Texas with majors in Organizational Behavior and Operations Management, with continuing education through the IBM Executive School and Stanford University.