Helping Individuals, Families, and Businesses Navigate Insurance with Confidence
Providing Medicare Guidance and Employee Benefits Solutions Throughout Buffalo, Elma, Kenmore, Western New York, and Southwest Florida
McDermott Consulting helps individuals, families, Medicare beneficiaries, and businesses make informed insurance decisions with confidence. Founded by Lori McDermott after a successful career as a National Benefits Consultant for large employer groups, the firm was built on a simple principle: helping clients understand their options and make informed coverage decisions.
As a women-owned insurance consulting firm, we are committed to providing personalized service, objective guidance, and long-term support for every client we serve. Our team works diligently to evaluate available options, simplify complex insurance decisions, and help clients find solutions that align with their healthcare needs, financial goals, and employee benefit objectives.
Today, our team brings more than 150 years of combined industry experience helping clients navigate Medicare plans, employee benefits, health insurance, and retirement transitions throughout Western New York and Southwest Florida.
Meet Your Benefits Team
Experienced Professionals Helping Clients Navigate Medicare and Employee Benefits Throughout Western New York and Southwest Florida
At McDermott Consulting, we believe insurance decisions should be guided by experience, trust, and personal service. Our team works with individuals, families, retirees, and businesses throughout Western New York to simplify Medicare, health insurance, and employee benefits decisions.
Lori A. McDermott, AHIP
Principal
Lori McDermott has been in the insurance industry for more than 25 years. She began her career with BCBS as a National Benefits Consultant for large employer groups. Lori is Accident, Life, and Health licensed, AHIP certified, and dedicated to helping clients make informed insurance decisions.
Rich McDermott
Vice President and CFO
Rich McDermott retired from the NFTA after 37 years and joined McDermott Consulting after earning his Accident, Life, and Health license. He brings extensive experience in financial reporting, budgeting, and operations. Rich helps support clients with a practical and financially focused perspective.
Dave Harris, AHIP
Agent
Dave Harris brings more than 30 years of experience supporting employers and their teams. He specializes in health insurance, employee benefits, and Medicare guidance. Dave is AHIP certified and committed to helping clients make informed healthcare decisions.
Nancy Janak, AHIP
Agent
Nancy Janak brings more than 40 years of experience in the health insurance industry. Throughout her career with BlueCross BlueShield of WNY and Independent Health, she held leadership roles focused on provider and vendor relations. After retirement, Nancy earned her Health Insurance License and continues to help individuals navigate their coverage options with confidence and clarity.
Karoll Melendez, AHIP
Agent
Karoll Melendez is a Licensed and Certified Medicare Agent with more than 25 years of healthcare industry experience. Her background at Highmark BCBS WNY and expertise in healthcare administration help clients navigate Medicare options with confidence and care. Karoll combines her professional experience, business education, and commitment to service to provide trusted guidance throughout the Medicare process.
Theresa Roma, Ph.D., AHIP
Agent
Theresa Roma brings nearly 20 years of experience in the insurance and benefits industry. As Head of Insurance Solutions at Wellthy, she has helped families navigate complex caregiving and healthcare challenges through innovative benefits strategies. Theresa holds a Doctorate in Executive Leadership and is passionate about helping individuals make informed Medicare and insurance decisions.
Melissa Sexton, AHIP
Agent
Melissa Sexton brings more than 18 years of experience in healthcare operations, client services, and employee benefits. Her background includes leadership roles with Pharmacy Benefit Dimensions and Highmark BlueCross BlueShield of WNY, supporting organizations of all sizes. Melissa combines her operational expertise, Medicare knowledge, and client-focused approach to help individuals make confident insurance decisions.
Kim Derk, AHIP
Agent
Kim is a licensed Health, Life, and Accident agent who is AHIP certified and holds her NYS Health Broker Certificate. With a diverse background in real estate, banking, government insurance, and healthcare services, she brings a well-rounded perspective to helping individuals and families navigate their insurance options with confidence while delivering personalized service and trusted guidance.