Joanne Fontana is a consulting actuary in the Health Practice of Milliman’s Hartford office. She has been with the firm since 2006. During that time she has served insurance companies including several major dental carriers, employers, government entities, and other organizations. Joanne’s focus has been largely on managed care and dental, with experience in premium rate development, provider contract analysis, valuation of post-retirement health benefits, and health care reform. Over the past several years she has worked closely with the National Association of Dental Plans, the California Association of Dental Plans, the American Dental Association, and other dental clients to assess the impact of health care reform on the dental industry. She has worked with carriers and employer groups on the dental insurance procurement process, worked on Medicaid dental procurements with both state entities and bidders, and has done core actuarial dental pricing and underwriting work for many dental carriers. Joanne is considered an industry expert in dental product and pricing, and has presented on dental-related topics at multiple industry forums.Prior to joining Milliman, Joanne spent more than ten years as an actuary with Cigna, where she held various healthcare financial leadership roles including Chief Actuary of CIGNA’s dental insurance business

Adam is an actuary with the Milwaukee office of Milliman. He joined the firm in 2007. Adam's expertise is in both managed and traditional healthcare programs, with more than eight years of experience in these areas. He has assisted various entities, including health plans, employers, and health care providers. He has helped clients with product development and pricing, experience analysis, valuation of reserves, and financial reporting.

Adam is considered a firm-wide leader in Medicare Advantage and Part D consulting. He has completed bid development for many clients.

April Furlong is a compliance consultant with the Tampa office of Milliman. She joined the firm in 2014 bringing with her 10 years of prior experience in the insurance industry.

April has experience in compliance consulting, policy form drafting, and other compliance-related services for health products. April has been involved in numerous research and product development projects, focusing heavily on dental and vision products. April also assists health insurers with network filings and research on network adequacy and oversight rules. She has worked closely with supplemental products such as hospital indemnity, critical illness, and accident insurance. She also has experience with the various filing requirements for the Affordable Care Act. She has worked closely with regulators to secure approval on many filings.

April also has served as client and project manager, overseeing each step of the project and adhering to strict deadlines. She has worked closely with clients to understand their needs during the development, drafting, and filing of a product.

Prior to joining Milliman, April spent 10 years working in managed care, analyzing data on risk, profits and trends applicable to health plans, and overseeing state filings.

Tom provides consulting services to a wide variety of clients in the U.S. healthcare system including insurance companies, stop loss carriers, employers, provider groups, government entities, and advocacy groups.

Tom’s focus has been on advising clients in understanding the impact and strategic implications of the ACA. His experience includes pricing health benefits, estimating reserves, and projecting financial results. Tom has led projects to assist clients in these activities for many different health products including individual plans, small and large group plans, and stop loss products.

Tom also has significant experience with dental plan pricing for both commercial and Medicaid populations. He has been involved in studies and analyses of the impact of the ACA on dental insurance, experience analysis studies for large employers and insurers, and review of provider fee schedules.

Tom frequently presents at industry conferences and regional actuarial meetings on dental and other health benefits topics. Tom has also authored several research reports on the potential impact and implications of proposed healthcare law and regulations. As a result of his research, Tom has met with and advised members of Congress, Congressional Budget Office leadership, and Senior White House Policy Officials on healthcare reform proposals.