My husband was laid off, so our group health insurance was terminating. With only Medicare left, I knew I needed additional insurance, but where to start! My daughter happened upon information about Chapter, and Wow had we stumbled upon a huge blessing! Daniel took a list of all my docs and meds, and called me a few days later to let me know of a plan that would meet my needs and at no additional cost. Daniel has been most gracious, kind and helpful! I would highly recommend Chapter, and Daniel, specifically, to anyone who is trying to figure out Medicare+supplement vs Medicare replacement!