Meet The Team

Our mission as a team of experts is to reduce healthcare costs for our clients and ensure that the national billing guidelines that govern inpatient and outpatient billing are adhered to by providers.

Carl Papp, CLU

Principal – President

Carl joined Health Cost Control (HCC) as a Principal and President in 2009. His leadership and guidance to the company is built around 50 years of experience in the health insurance and managed care industries.

He began his career as a health/life underwriter at Time Insurance and shortly after moved into the role of Regional Sales Director for Georgia. After 12 successful years with Time, he started Southern Agency Services, Inc. (SASI) which became the largest national MGA in the individual and small group medical insurance/MET marketplace producing over $65 million in premium.

As the small group medical insurance carriers rapidly left the marketplace, Carl transitioned into the world of PPO Networks and Managed Care. This stage of Carl’s career began in 1994 as the State Sales Director for HealthStar in Georgia, a PPO Network headquartered in Chicago. After two years he sought more national sales opportunities and joined Preferred Health Network. In 1997, he joined Beech Street as Manager of Business Development and became one of their top producers.

In 2006, Carl acquired and managed The Initial Group (TIG), an eastern Tennessee regional network comprising over 40 hospitals and 4,500 doctors. After 3 years and completing 16 years in the PPO Network marketplace, he sold (TIG) and became a Principal and President of Health Cost Control.

Raya Papp


Raya has over 25 years of experience in Corporate Finance, Operations and building businesses. Prior to joining HCC, Raya started the SAGANA Group, a private equity and venture capital firm that invests in companies having a positive environmental and social impact

Raya began her career at Morgan Stanley where she was Vice President of Corporate Finance and M&A. She was later an Executive Director at Deutsche Bank in Singapore. Prior to that, Raya led the market development of Thomson Reuters’ Scientific Division across the Asia Pacific region and she worked at tech start-up to close two rounds of private equity and complete their IPO.

Raya holds a Masters of Business Administration from the Harvard Business School and is a proud Cavalier, holding a B.S. in Systems Engineering from the University of Virginia.

Pamela Ellis, RN, CBCS

Vice President Regulatory Review

Pamela has 24 years of experience as a Registered Nurse. Prior to joining Health Cost Control, Pamela’s experience included Medical/Surgical, Intensive Care, Emergency and Long Term Acute Care nursing.

She is a Certified Billing and Coding Specialist and a Legal Nurse Consultant. Pamela has served as a Senior Investigator with the Texas Medical Board, Medicare Fraud, an Abuse Claim Analyst for a CMS Zone Program Integrity Contractor, a Clinical Documentation Specialist at a Texas Medical Center facility; and as a Recovery Audit Contractor Specialist at a local community hospital. Pam is an active member of the National Alliance of Medical Auditing Specialists.

Andrew GehrkeMeet The Team