Fred was the President and CEO of Independence Blue Cross for 15 years, a health insurance corporation with revenues in 1996 of $2.4 billion in 1994; more than 2900 employees with 2.3 million subscribers. He joined IBC in the nineties and spearheaded innovations in customer relations and fiscal management. He inherited a company with a reputation for outdated products and indifferent customer service, and within a year had reestablished IBC as a competitive force. In 1994 he was elected by his peers in the 68 individual ‘Blue Plans’ nationally to be the Chairman of the Blue Cross and Blue Shield Association. This is the country’s largest association of private health insurers. Fred created the ‘Caring Foundation’, to provide health insurance to needy children and spearheaded the charitable mission of IBC by giving financial assistance to Charitable Medical Clinics. After graduation from Southern, Fred graduated from Davis and Elkins College and the Delaware School of Law of Widener University. He was inducted into the SPHS Cultural Hall of Fame in 1996.