​​Known as a "people person," Raquel joins ClearChoice Benefits Agency as a Client Services Specialist with over twenty years in Customer Service Relations. Raquel started as an administrative assistant for a New York Law Firm in which she was responsible for requesting medical records and filing case claim submissions with major insurance carriers. Raquel also obtained her series 7 license and worked as a successful real estate agent, negotiating with bank managers and mortgage lenders in property asset management. 

​While working as a full-time mom, Raquel completed her online Associate's Degree from Rasmussen College majoring in Business Management & Administration. 

​Raquel loves helping people and is a strong advocate on protecting employees' rights. Through benefits education and training, Raquel believes employees can make more informed benefit decisions when it comes to their healthcare benefit needs and has worked with a number of clientele by providing the necessary guidance and support for employee benefit elections.

Raquel Valenciano, Client Services Specialist

"Life is not so short but that there is always time for courtesy".

​                   - Ralph Waldo Emerson

​​Ray joins ClearChoice Benefits Agency as Chief Financial Officer overseeing the financial operations of the organization. Ray provides in-depth financial analysis on company budgeting forecasts, business development, and projected revenue growth. 

​Ray attended the University of Notre Dame where he majored in Finance. A Vietnam Veteran, Ray understands the importance of trust when building solid client relationships.

​Ray is an avid sports fan and humanitarian. He contributes to a number of charitable causes including the ASCPA, Wounded Warriors Project, and The American Cancer Society.

​​Eric Tsui is a seasoned benefit enrollment & data analyst with over seven years of experience in healthcare operations. Prior to joining ClearChoice Benefits Agency, Eric was a Senior Membership Representative for EmblemHealth in New York, and most recently, a Senior Enrollment & Data Analyst for Molina Healthcare in California. Some of his responsibilities included updating group and member contracts, claims data reprocessing, as well as collaborating with Finance and IT departments to ensure accurate data synchronization across all platforms for state reconciliation and premium adjustments.

​Eric graduated from Queens College (CUNY) with a Bachelor's of Arts (BA) in Media Relations. His motto for success?

​   "Strive not to be a success, but rather to be of value."

- Albert Einstein.


Ray Henderson, CFO

Michelle Henderson, CEO

Eric Tsui, Data Analyst

Why Choose Us

With over ten years in the insurance industry, Michelle manages her client base by solving complex service issues and executing client-specific employee benefits strategies. Prior to founding ClearChoice Benefits Agency, Michelle worked in Account Management at United Healthcare and Empire BlueCross BlueShield servicing the downstate commercial medical and specialty products division. She was also a successful benefits Account Manager Consultant for USI Insurance Services, BWD Agency, Inc, and Lamb Financial Group, to name a few. Her clientele organizations ranged from 2 to 10,000 employees across various lines of business and funding options, including Fully Insured, Self-Insured, Level Funded, Mergers & Acquisitions, and Jointly Administered Arrangements. Michelle holds several Life & Health Licenses including the New York tristate area.

A graduate of Farmingdale State College (SUNY) with a Bachelor’s of Science (BS) in Professional Communications, Michelle is honored to have been inducted into the Alpha Beta Gamma International Business Honor Society as well as Farmingdale State's President and Dean's list academic honors.

Michelle believes that “reputation is everything.” Through honesty, integrity and compassion towards people, she builds successful client and carrier relationships across the insurance industry.