I’ve worked with both Tom and Tammy to get the best health insurance for myself. I was treated as if I was going to pay them a million dollars — but, their service was free in my case. They listen to what you want and need, point out the pitfalls, and advantages, and advise for and against different choices. And, they know where the various loopholes are and how to avoid them and/or use them to your advantage. In short, they are wizards when it comes healthcare advice. And, when all is done — you aren’t dropped — they’re there to answer questions or help you deal with concerns. You can’t go wrong!