Tim has been in the insurance business since 1995 when he started with Blue Cross Blue Shield of Montana. After gaining ten years of valuable experience at BCBS, Tim joined PayneWest Insurance where he specializes in employee benefits. Because health insurance can be extremely complex, Tim makes sure his clients understand the processes and policy language's so they know what to expect down the road. He realizes the importance of being straightforward, professional and trustworthy when discussing health care coverage. Tim was raised in Helena, Montana and earned his degree in Business Administration from The University of Montana. He later received his Masters degree in 2005 from Regis University in Denver. For the year 2006-2007, Tim also received the Insure Montana Outstanding Agent Award. His wife is a teacher in Stevensville, and he has two kids.