Seasoned Healthcare Leaders
Joseph L. Caruncho, Sr.
Chief Executive Officer
Prior to serving as CEO of Genuine Health Group, Joe co-founded Preferred Care Partners, a Medicare Advantage plan. As the company’s chief executive, he helped grow membership to 55,000 and generate sales in excess of more than $750 million.
For more than a dozen years he practiced corporate healthcare law, representing physicians, hospital systems, health care delivery networks, ancillary providers and health plans.
In 2004, Florida International University inducted him into its College of Business Entrepreneurial Hall of Fame. The following year he was honored as the 2005 Ernst and Young Health Care Entrepreneur of the Year for the State on Florida, the South Florida Business Journal’s Healthcare CEO of the Year, and as one of the Top 100 Most Influential Hispanics in the U.S. by Hispanic Business Magazine.
Joe served on the Florida Board of Governors, which oversees the State’s public universities and served on the Governor’s Blue Ribbon Task Force on Higher Education. He is a former board member for Florida Polytechnic University and Florida International University.
Orlando Lopez-Fernandez, Jr., MD
Chief Medical Officer
As Chief Medical Officer for Genuine Health Group, Dr. Lopez-Fernandez leads quality assurance programs and clinical initiatives aimed at superior medical outcomes for patients in the care of Genuine Health’s physician colleagues.
Previously, Dr. Lopez-Fernandez served as chief medical officer for United Healthcare of Florida, as well as Preferred Care Partners, which he co-founded.
He actively practiced medicine for more than 20 years, including in senior medical staff positions at hospitals in Miami and Chicago. Dr. Lopez-Fernandez is board certified in cardiology and internal medicine and a Fellow of the American College of Cardiology. He earned his MD at the University of Zaragoza School of Medicine in Zaragoza, Spain.
Dr. Lopez-Fernandez played a crucial role in the formation of the Herbert Wertheim College of Medicine at Florida International University, and he currently serves there as a clinical assistant professor and as a member of the Dean’s Council.
Chief Growth Officer
As Chief Growth Officer of Genuine Health Group, Mr. Kharfan works primarily on physician recruitment, focusing on the company’s network of doctors who participate in Genuine Health’s ACO and its Medicare Advantage programs. In addition to his work growing the Genuine brand, he works closely with physician practices to increase patient participation in the company’s value-based healthcare models.
Mr. Kharfan is the founder and former CEO of Claro Insurance, a multi-state health insurance brokerage with licensed agents working in the Medicare, individual, and commercial insurance markets. Prior to founding Claro, Mr. Kharfan worked at United Health Group as a field representative concentrating on South Florida membership, and at Preferred Care Partners, where he was a top sales producer. He is also a former member of the United Health Group ISR Leadership Committee of South Florida.
Mr. Kharfan has received numerous accolades as a top performer in business growth and sales.
Victor Toledano, MD
President & Chief Medical Officer
Victor Toledano, MD, is president and CMO of Genuine Health ACO, where he oversees clinical operations in a medical setting. He serves as a liaison between doctors and healthcare executives and ensures that patients receive the highest level of care. He is a committed advocate for accessible, high-quality healthcare for Florida communities.
Dr. Toledano is the founder of PremierMD and, since 2013, has successfully managed major aspects of the healthcare organization in providing value-based services to Medicare, Medicaid Advantage, and commercial patients. In 2017, he worked closely with Joe Caruncho, CEO of Genuine Health Group, to form a partnership between Genuine Health and PremierMD.
Dr. Toledano is a board-certified doctor in internal medicine and is NCQA PCMH level III certified. He serves on the board of directors of the Broward County Medical Association. Dr. Toledano earned his medical degree at the Drexel University School of Medicine in Philadelphia, Pennsylvania. He completed his residency at the Cleveland Clinic Foundation.
Chief Financial Officer
As Chief Financial Officer of Genuine Health Group, Marlene Aguerrebere manages the company’s finances, including cash flow, financial planning and reporting, budget management, and record-keeping.
Marlene, a certified public accountant, has more than two decades of experience as a controller and tax manager. She has expertise in financial management of healthcare organizations and financial institutions. She recently served as corporate controller at United Healthcare for the South Florida region. Prior to her role at United, she served as corporate controller at Preferred Care Partners and as a tax manager at PricewaterhouseCoopers.
Marlene has a Bachelor of Accounting and a Master of Science in Tax from Florida International University.
Marc Auerbach, Esq.
Chief Legal Officer & General Counsel
As Chief Legal Officer and General Counsel of Genuine Health Group, Marc Auerbach, Esq. assists with transactions related to physician engagements and home healthcare, as well as managed care organizations and the Centers for Medicare and Medicaid Services (CMS).
Marc has specific expertise working with managed care companies, ACOs, and provider organizations. He previously served as a shareholder of Cozen O’Connor, ranked among the top law firms in the country, where he specialized in healthcare. Named a “Super Lawyer” in 2006 and 2007 and from 2012 to 2015, Marc also provides pro-bono assistance to several Miami organizations.
Marc earned his J.D. from the James E. Beasley School of Law at Temple University. He is a member of the Florida Bar and a member of the Florida Bar’s Health Law section.