Executive Team

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 seven 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.

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.

Oliver Ayres, President Key Family

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.

William C. Potter, General Counsel, Vice President & Secretary

Bil Potter graduated from the Indiana University Maurer School of Law in Bloomington.  Over the course of his legal career, Bil has served as a law clerk to the Chief Judge of the U.S. District Court for the Southern District of Indiana and has been a partner in major Indiana law firms (centered on complex commercial and class action litigation, complex commercial transactional matters, employment law, and corporate governance).  For the past 20+ years he served as the General Counsel for global manufacturing, distribution and hospitality/food service industry companies based in central Indiana with a particular focus on complex commercial transactions, logistics and supply chain issues, and employment law as well as employee benefits, corporate liability and health insurance.  A former member of the Board of Directors of the United Way of Central Indiana, Bil founded the Indianapolis Inn of Court along with Chief Judge Larry McKinney (Dec., U.S. Dist. Ct.), Chief Justice Randall Shepard (Ret., Indiana Supreme Court) and Dean Norman Lefstein (Ret., I.U. McKinney School of Law), where he continues to serve as a Master of the Inn.

Joe D. Haines, Jr., MD, MPH, FAAFP, Chief Medical Officer

Dr. Haines is a board-certified family medicine physician with 40 years experience. He graduated from the University of Oklahoma College of Medicine with an MD in 1981.  He worked as an ER doc until returning to complete his family medicine residency from 1986 – 1988. He practiced family medicine in Skiatook and Stillwater, OK for 25 years before accepting a commission in the U.S. Navy, where he served primarily with the Marine Corps, including one combat tour in Afghanistan in 2011.  He also completed a second residency in Aerospace Medicine while in the Navy, including an MPH degree.  He was designated a flight surgeon and was Fleet Marine Force warfare qualified.  He is also a Fellow of the American College of Sports Medicine.  He has written and published extensively, including over 200 articles.

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.

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.

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

Craig Frazier joined the Key Family in 2003 as part of the IT department and has since held various operational and management positions within the company. In 2013 he joined the Human Resources team with a strategic vision and a passion for the people and culture at KBA. As VP of Human Resources 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 graduate of Lee University with a degree in Business Administration and is a member of the Board of Management and the Executive Staff for Key Family.

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.