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Judy FryerSenior Manager

Judy is a senior manager in the Retirement & Medical Plans practice of Saltmarsh, Cleaveland & Gund. She has been practicing in this field since 1982 and has significant management, medical billing, CPT and ICD9 coding experience. Her primary areas of concentration include supervision of claims processing, adjudication of medical, health and dental claims, FSA benefit education and enrollment and FSA, HRA and HSA consulting for the firm’s employee benefit plans clients. Judy is a Certified Section 125 Administrator through the HR certification Section 125 training program and remains compliant with HIPAA training and active membership with the Employee Benefits Institution of America (EBIA).


  • Certified Section 125 Administrator - HR certification Section 125 Training & Certification Program
  • Section 125 Administrator Training - MHM Resources, Inc.

Professional Affiliations

  • HR certification Group - Professional Member
  • Employee Benefits Institute of America (EBIA) - Professional Member

Community Affiliations

  • North West Florida Wildlife Sanctuary - Volunteer
  • Five Flags Sertoma - Member
  • Escambia County School Board - Mentor

Areas of Practice