• ABOUT US

    Innovative Health Concepts and it's team bring over 150 years of combined business consulting, insurance and benefit experience to bear for your health insurance, employee benefit plans, executive-owner-key-person planning, and succession planning needs. We work with you to build custom solutions that meet your needs and those of your employees for today and the future. Our consultative approach to understanding what drives your business sets us apart from the rest of the field.

  • OUR TEAM

    Experience. Commitment. Passion.

    ANDREW MORAFATES

    With over 40 years of experience as both a home office executive and entrepreneur building and running his own businesses, Andy brings insight, experience and passion to our business. Andrew is driven by the satisfaction he gets when he can help fellow business owners maximize opportunity and right size expenses. Andrew started in the insurance and benefits business as a Career Agent in 1972. In 1991 he moved into the Brokerage Market. Prior to founding Innovative Health Concepts with his partner Roy Bubbs, he has successfully built several Brokerage General Agencies and Independent Marketing Organizations.

    Andrew@ih4concepts.com

    Phone: 860.420.2278

    ROY BUBBS

    Covering 40 years of in-depth experience building new and fixing existing businesses, Roy has a track record of taking business to new levels of high revenue growth and exceptional earnings results. Roy has been a senior executive including a CEO, President and Director of various public companies. As the and owner, investor and partner in several business today including Innovative Health Concepts, Roy gets the most satisfaction when consulting with small to mid sized business and helping them control expenses, manage their work force, and drive the most profitable revenue possible.

    roy@ih4concepts.com

    Phone: 860.748.7488

    RACHAEL BUBBS

    Rachael is an experienced entrepreneur who has helped build several business and has been endorsed as a marketing and sales leader due to her experience in multiple industries. Over the last 14 years her passion for helping others to realize their best potential, both in her business and charitable endeavors, has been the hallmark of her success. As a founding member of Innovative Health Concepts, her youth, fresh perspective and creativity are critical ingredients when solving the problems our clients have.

    rachael@ih4concepts.com

    Phone: 860.490.6440

    RICHARD WHITBECK

    With over 30 years of insurance and benefits experience, Richard has held several senior level positions including President of Portamedic, President of CJA & Associates, Senior Vice President, National Sales Manager, at AXA Equitable, and Vice President of Marketing for MONY. His business success building distribution networks, right sizing expenses, and growing profitable revenue are the keys to his success. As an industry recognized executive benefits, estate planning, and financing expert he brings a complete array of skills to our business consulting team.

    richard@ih4concepts.com

    Phone: 860.305.9138

    DAN WEINBERGER

    With 30 plus years of experience, Dan has held leadership roles with several large insurance and financial services companies covering multiple business areas including technology, marketing, product development, operations, and business development . With a degree in Mathematic and Computer Science, Dan bring creative thinking and problem solving to the forefront when helping business' address their business and benefit solutions.

    dan@ih4concepts.com

    Phone: 908.625.0224

    DEMI VELISSARIOS

    Demi has been in the insurance and benefits business since 2000. He has held positions at Bisys (now Crump), Independent Marketing Group, and Highland Capital Brokerage. Prior to his insurance experience, Demi worked for 12 years in the Banking and Finance industry, holding numerous positions including Branch Manager, Commercial Lending Officer, and Banking Auditor. In 2010 he partnered with longtime friend and associate Andrew Morafates to form Trusted Advisors Network, LLC., and continues that partnership as a member of the Innovative Health Concepts team.

    demi@ih4concepts.com

    Phone: 561.756.0322