Health Insurance & Employee Benefits Expert for Media

Larry began his career in banking as a licensed personal banker. During that time, his employer helped him obtain securities and life and health insurance licenses.

He enjoyed helping bank customers, but wanted a career that allowed him to meet people in their homes and businesses. That interest led him toward insurance sales and advising clients on health coverage.

His work has included clients across the Midwest and the Carolinas, where he grew up. Over time, his focus expanded to individual health insurance and small group benefits.

Clients who traveled for work—including truck drivers, sales representatives, and nurses—often described the difficulty of finding care away from home.

Those conversations helped inspire Larry and his wife, Julie, to start MedCard, a healthcare-focused membership program. Services described in earlier materials included telemedicine access, prescription discounts, and assistance with medical bills.

MedCard is not health insurance. Membership services, availability, fees, and terms should be confirmed using current program information. Discounts and bill negotiations do not guarantee savings.

Telemedicine can make it easier to speak with a clinician without traveling to an office. Depending on the service and the medical concern, consultations may take place by phone or video.

Larry previously shared an experience using a virtual consultation when his daughter was ill. The clinician reviewed her symptoms and requested additional information remotely, illustrating how technology can make some healthcare visits more convenient.

Virtual care is not appropriate for every condition. Diagnoses, prescriptions, visit costs, and follow-up requirements depend on clinical judgment, the service, applicable laws, and coverage. Telemedicine is not a substitute for emergency care.

Larry’s perspective emphasizes understanding client needs, maintaining relationships, and using technology to support consistent service rather than focusing only on commissions.

Offer Products That Address Real Needs

Supplemental insurance or non-insurance services may address specific concerns, but agents should clearly explain costs, exclusions, limitations, and whether a product is insurance. Recommendations should reflect the client’s needs.

Develop a Clear Area of Focus

Working with a defined audience can help an agent better understand common coverage questions and provide more relevant education.

Use a CRM for Consistent Follow-Up

A customer relationship management system can organize inquiries, schedule follow-up, and maintain relationships with people who are not ready to choose coverage immediately. Communications should respect consent and applicable rules.

Keep Learning and Adapting

Product knowledge, digital communication, time management, and responsible use of technology can support an agent’s service and business development. Compensation varies by product, carrier, contract, and applicable requirements.