Azeros is the only Managing General Administrator in the self-insured health plan industry.
With decades of experience and relationships, we seek out affiliations with “best in class” organizations to support our clients and provide transparent, cost-effective health plan solutions.


Reference Based Pricing

Utilizes Medicare allowances as benchmark
Hospital charges fee uncontrolled in current environment
RBP with or without "wrapped" PPO Networks

Third Party Administration

Claims paid accurately & timely
Hard plastic ID cards
Phones answered within 3 rings
Fully transparent medical expense & fees

Azeros Rx Free Discount Card

Discounts available to all employees and family members
All major pharmacies accept the card. The list includes Rite Aid, CVS, Walmart, and Walgreen’s, which are among more than 60,000 U.S. pharmacy locations.

Medication Management

High-dollar, high-utilization drugs reviewed for appropriateness
Step therapy introduced as necessary

Medical Management

Seasoned case management team
Steerage to cost effective facilities
Direct Primary Care partnership
Telemedicine through MDLIVE

Pharmacy Benefit Management

Azeros Rx rebates returned @ 100%
Net savings estimated at 25% of pharmacy spending


Ronald Zoeller

Chief Executive Officer

Founder (1983) and CEO of North American Health Plans (now Meritain/Aetna) At its sale in 2005, the company’s staff of 700 in eight regional offices administered plans for over 400,000 members, paying $2 billion in annual claims. Clients included Fisher-Price Toys, M&T Bank, Dunkin’ Donuts, and the University of Notre Dame.

(716) 308-8025

Kevin Gannon

Chief Sales Officer

A veteran benefits broker of over 35 years in Western New York, he was the founder/President of Niagara Benefits Group (later sold to Brown & Brown). As VP of M&T Benefits Division (2007-2017), Executive VP of EBC, Inc. (later sold to USI), Kevin worked with such groups as Catholic Health, HSBC Bank, and The Upper Allegheny Health System.

(716) 913-4789

Edward Guzdek

Director of Labor Relations

After a 29-year career as a Police Officer and Detective, Ed joined Azeros as Director of Labor Relations. Representing the Amherst Police Union since 1997, Ed participated extensively in the negotiating of wages, health insurance benefits and costs, and other labor relations matters.

(716) 435-6312


Patrick Reilly

CEO of Empower3
DPC Advisor

Co-founder of Empower3, a Pennsylvania based group that has launched three Direct Primary Care (DPC) clinics in that state and is expanding. In the DPC approach, true physician partnerships are arranged, and medical care reimbursement evolves from a fee-for-service system to payments on a per-member-per-month basis. The company has merged with Spark360, a population health innovator.

Patrick McLaughlin

CEO of Araya Rx
PBM Advisor

Prior to launching Araya Rx, Patrick was Chief Services Officer at NMHC Rx, a publicly traded Pharmacy Benefit Manager located on Long Island, NY. As such, he oversaw all operational and clinical aspects working with TPAs, managed care plans, and self-insured corporations and municipalities. With over 30 years in the industry, Mr. McLaughlin has worked in Product Development, Sales, Client Services, and Acquisitions. He advises Azeros on federally qualified 340B pharmacy programs.

James Notaro

President of Clinical Support Services
Pharmacy Advisor

A licensed pharmacist, Mr. Notaro was formerly Manager of Pharmacy Services for Univera Healthcare and Director of Managed Care for Centrus, an Albany-based PBM. Upon founding CSS, which clinically manages drug utilization, he designed a proprietary medication management software system used for claims of self-insured groups.

Wondering how much you could save on our pharmacy program?