Strategic Underwriting Solutions – A Division of Worldwide Facilities, LLC – was formed to offer high-quality health & accident insurance as an outsource service for insurance companies, Third Party Administrators (TPA), Managed Care Organizations (MCO) and other risk taking entities, such as Multiple Employer Welfare Associations (MEWA) and Captives.
Located in Green Bay, Wisconsin, Strategic Underwriting Solutions (SUS) worked to respond to the health insurance risk management marketplace needs. Since 2006, we answered those needs, building a premier full-service stop loss managing general underwriter firm and health insurance consulting company with customized product and risk management solutions that meet our unique client needs.
Providing high-quality, innovative risk management, product and compliance solutions to the health insurance industry – it is our mission to bring you innovative best-in-class solutions.
SUS employs top risk management talent with strong financial and medical knowledge. We continuously refine risk management underwriting models and utilize the very best technology to ensure the most germane information is used to reach the most appropriate underwriting decisions in the quickest time frames possible. SUS provides the essential partners and tools necessary for high performance.
WE HELP OUR CLIENTS AND PARTNER COMPANIES WRITE THE HIGHEST POTENTIAL VOLUME OF PROFITABLE NEW BUSINESS WHILE RETAINING A STABLE BLOCK OF IN-FORCE BUSINESS. WE BUILD ON OUR VAST NETWORK OF INDUSTRY RELATIONSHIPS.
MEET OUR SENIOR MANAGEMENT TEAM
Veronica M. Schmelzer, FLMI, HIA, SICS
Founder of Strategic Underwriting Solutions
Executive Vice President of Worldwide Facilities, LLC
Vicki is a twenty-seven year veteran of the health insurance industry specializing in risk management. She is an underwriting leader with proven success in managing high-quality teams and billion-dollar blocks of accident and health insurance risk, including fully insured and stop loss health business. She also provided risk management and product development services for dental, short-term disability and life underwriting products. She is a Certified Specialist in Self-Insurance and is an entrepreneur who founded Strategic Underwriting Solutions (SUS) with prominent industry investment partners in 2006 to bring high quality, innovative risk management and compliance solutions to the market. SUS is a full service Managing General Underwriting company for A-rated stop loss carriers and a full-service risk management consulting company for the accident, health and life insurance industry.
Vicki and her partners formed this organization specifically to respond to a market need for Third Party Administrators, insurers, managed care organizations and risk bearing entities considering entry into new products and markets where they have efficient administration, distribution, clinical expertise, other positive factors but require highly qualified and capable medical underwriting staff and risk management services.
VP Stop Loss Underwriting
Lori Michaels ALHC,
VP Risk Management Operations
VP Compliance & TPA Management
VP Finance, Audit, & Acturarial Support
Excess Claims Operations
Audit & Actuarial Support
of IT & Administration
Cheryl Wesa, FLMI
Vice President, Stop Loss Underwriting
Cherie is responsible for production staff and personal production risk management, including profitable pricing of small group and stop loss health insurance business. She is also responsible for financial activities that impact the profitability of the carriers and risk-taking entities SUS services and achieve profit, growth service and expense objectives on assigned blocks of business. Cherie represents the underwriting function in customer meetings and client/broker interactions. She assists with monitoring and controlling SUS’s annual operating plan with a commitment to long-term business relationships. She provides input and overall management of stop loss operations, including quality database management at SUS.
Vice President, Risk Management Operations
Lori is responsible for staff and processes related to all aspects of operations for underwriting, premium remittance/inforce account management, specific and aggregate excess claims adjudication and case management. She is also responsible for documentation and training of underwriting guidelines for specific carrier and MEWA programs, risk management tools, and quality reviews of internal staff for her related areas. She works closely with executives and customers to develop profitable sales plans that achieve persistence and contribute to its performance objectives. She assisted in the development of our business continuity and disaster recovery plan.
Joseph Toohill, FLMI, AIRC, HIA, CHRS
Vice President, Compliance and TPA Management
Joe is a regulatory and compliance Vice President with extensive experience in individual, small and large employer health and ancillary markets. Joe is responsible for policy issuance, agent/agency appointments, product development, legal, regulatory and compliance functions and services. He coordinates relationships with and conducts administrative audits of partner Third Party Administrators. He completes regulatory research as needed for new, pending, and existing health product requirements, including advertising compliance and rate filings for clients. He implements compliance updates and corrective action plans as required by regulators, carriers and risk-takers.
Robert Dvorak, FLMI
Vice President, Finance, Audit and Actuarial Support
Bob is responsible for all aspects of the financial management of SUS operations. He is responsible for the insurance block and SUS financial reporting. He coordinates all internal and external auditing activities. Bob is also responsible for assisting with the pricing of risk for assigned blocks of business and evaluating the underwriting formulas and base rate models utilized in SUS pricing methodology.