I did not understand anything about Medicare until I met Jim. My sister and I were taking over my mother's medical bills and all I can say is thank God for Jim!He explained all the plans throughly and answered all the questions that we needed answered. We came up with a plan that best suited my mother's needs and we saved so much money. We were so grateful for Jim's experience. We all know how complicated the insurance world is today and Jim made it easy. I highly recommend Jim. You won't be sorry plus you will save so much money. I wish I contacted Jim years ago. Thanks Jim!