About Us

Payor Contracting,


Our 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 payor 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

VP of Operations

Perry has spent his career in healthcare with leadership experience in operations, sales, marketing, and growth. Prior to joining the PayrHealth 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 payor operations has provided him with a diverse perspective and experience to lead cross-functional teams at PayrHealth. 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 PayrHealth clients and set them up for long-term success. Laura lives in Franklin, Tennessee, with her husband, and two boys.

Emily Barlow

VP of Client Success

Emily has spent over a decade in the healthcare industry and has deep experience with provider relations, network management and utilization, market research, and project management. She began her career in healthcare managing a primary care physician practice and most recently spent 8 years with CareCentrix managing provider operations teams across the US, negotiating contracts, and leading network operations. Emily holds a MBA and BS from Arizona State University and lives in Arizona with her two doodles.


Director of Client Success

Stephanie has spent over two decades in the healthcare industry. For the past decade, Stephanie has served as the director of managed care in the DME, clinical lab, and prevention and wellness industries. She brings clinical expertise, as she began her career as a respiratory therapist working in various capacities for a national DME company. She brings a vast understanding of the payor landscape and deep experience developing relationships with all levels at the health plans.  Stephanie lives in Florida with her husband, children, and dog.

Courtney Pollock

Director of Client Success

Courtney is an expert in payor contract negotiations and analytics. Since joining the PayrHealth 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 payors 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.


Client Success Manager

Maricruz has spent nearly a decade in the healthcare industry. She began her career in healthcare as administrative support and most recently spent 6 years with CareCentrix managing provider relations and contracting for 10 states across the country. Within her role, Maricruz  excelled at credentialing new clients, negotiating contracts, and managing existing accounts. Maricruz lives in Phoenix, Arizona with her husband, two children and Akita.

Core Values


Be Forthright







Quarter-of-a-Century in the Making

PayrHealth 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 payor 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 payors. We become an extension of your team in our outreach to payors. We are an affordable and effective alternative to sourcing and hiring your own full-time employees.

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