"Steve, I just had kidney stones and was in terrible pain. I saw the bills the hospital was billing and was in total shock. The first time was unsuccessful and $13,000. The second time was $42,000. I could never ever afford that nor the $1300/in premium before I met you."

"My daughter was in a car accident, they cited the other person. I was pissed off because all the cops did was get their insurance info. Only to find out they only had the state minimum which wasn't even enough to pay the hospital bill. Thank god I had this insurance because the ER bill was crazy expensive. Steve can I sue them?"

"Hi Steve, I was referred to you by John T. My husband has covid, he is in the ICU on a ventilator, they tell me it's really bad. We own a small restaurant and the hospital billing office is asking about what insurance we have and what assets we have. Can you call me? My husband let our coverage cancel, didn't tell me and I'm nervous they will go after us. Thanks."

Client: "My prescriptions are $800/mo and whatever insurance this other guy sold me doesn't even cover this. How can this be?" ….. Steve: "Hi, I just searched the formulary and network for you. Your new premium would be $89/mo and the copay for that prescription is only $10… This will start the first of the month, call me when you have 15 minutes and we can finalize. I will tell you how to cancel the other plan… Congrats!"

"I just found out I have stage 4 cancer. I cannot even work and luckily I'm getting disability but my COBRA was $850/mo. Steve helped me switch to a plan that includes all my doctors and reduced my premium to $160/mo. You can definitely tell he has been doing this a while. I thought it was impossible but he came through big time for me."

"I'm a single Mom, can barely afford my insurance at work and was worried about my kids… Steve advised me that because both of my adult sons (age 21 and 24) have jobs and pay their own taxes, they can get their own plan. I was shocked to see the coverage was better AND under $15/mo each."

"I'm a small business owner, I have great staff and do whatever I can but I cannot afford the ridiculous premiums charged by insurance companies. Steve came in to our facility, sat down with each employee and went over their options. All but one person he was able to help. I truly wish I met him sooner and highly recommend him to any self-employed individuals and small businesses."

"I got a full hysterectomy in June... it would have never been possible without your help."