My wifes plan b lapsed due to a carrier error when i changed bank accounts. the agent at UMA went above a beyond to force the carrier to pull our phone call and reinstate our insurance saving me over $6000 of out of pocket costs on an upcoming surgery amazing work done by them. telemarketer may bug you but if you go with them the rates are the best, the help is great, you can call and ask them about medicare issues and they are independent and answer the questions without preference to any carrier, very helpful i have used them for over 3 years now.