About Us

Payer Contracting,


Leadership Team

Armando Cardoso

Chief Executive Officer

Armando is an industry expert in fee-for-service and value-based contracting.  He has led healthcare teams from multiple perspectives – from his time leading national analytics for Ascension Health, to serving as Head of Growth for Clover Health, leading the West/Mid-American provider contracting team for CareCentrix, and spent time in Finance with Morgan Stanley’s Healthcare Investment Banking team in New York and Summit Partners Healthcare Private Equity team in Boston. Armando earned a degree in finance and accounting from Georgetown University. He lives in Austin, TX with his wife, son, and two dogs.

Effie Carlson

Chief Growth Officer

Effie has led healthcare teams across growth, operations, network contracting, sales, business development, and government/policy for over a decade. She ran the business operations, sales, and clinical operations of independent healthcare providers as CEO of Best Practice Management and General Manager/VP of payer Relations of Team Select Home Care. Most recently, she lead innovation in technology, product, and legislative policy as the Chief Growth Officer for Logisticare | Circulation (PRSC NASDAQ). Effie lives in TX with her husband, and four children.

Perry Williams

Head of Operations

Perry has spent his career in healthcare with leadership experience in operations, sales, marketing, and growth. Prior to joining the Healthcents team, he led expansion, plan design, sales operations, and new member growth for Clover Health, a venture-backed Medicare Advantage start-up. Experience in provider and payer operations has provided him with a diverse perspective and experience to lead cross-functional teams at Healthcents. Perry earned a degree in finance from Santa Clara University and lives in Phoenix, AZ.

Laura Cabe

New Client Consultant

Laura has worked in the healthcare industry for over a decade. She began her career in the pharmaceutical industry, was a top sales representative and corporate sales training leader in the DME industry (Lincare), and served as a director of managed care for over 20 states in the clinical lab industry (PCLS and HealthTrackRX). Her strong background in driving growth for healthcare organizations has provided her with the foundation and perspective to identify growth opportunities for Healthcents clients and set them up for long-term success. Laura lives in Franklin, Tennessee, with her husband, and two boys.

Nicole Medina

VP of Client Success

Nicole brings over a decade of experience in healthcare, project management, and finance to the Healthcents team. Having worked with healthcare providers of all sizes and specialties, she has developed a comprehensive perspective of providers’ payer contracting priorities. Equipped with her diversified experience and strong payer relationships, she has led payer contracting and advanced strategic initiatives for Healthcents clients for over five years. Nicole lives in IL with her husband, two sons, and her husky.

Courtney Pollock

Director of Client Success

Courtney is an expert in payer contract negotiations and analytics. Since joining the Healthcents team over 5 years ago, she has secured and negotiated contracts for healthcare providers across the nation, including ASC’s, behavioral health facilities, specialty laboratories, medical practices, and DME providers. She has established strong relationships with national and regional payers and her background as a medical practice office manager has provided her with a deep understanding of a provider’s needs. Courtney lives in CA with her daughter, and two dogs.

Core Values


Be Forthright







Quarter-of-a-Century in the Making

Healthcents has been the leading outsource solution for managed care contracting since 1994. We have served providers of all shapes and sizes across the country over the last 25+ years.

We are a complete managed care payer contracting services company – providing analytical, contracting, renegotiation,  and credentialing support. At the core of our business, we help healthcare providers grow their revenue by obtaining new and more profitable contracts with payers. We become an extension of your team in our outreach to payers. We are an affordable and effective alternative to sourcing and hiring your own full-time employees.

Have Contracting