I was just a confused soon to be 65 year old that could not get understanding on the Medicare process or what all was involved. From anyone. Until, I called Chapter and talked to Sydney S.. Oh my goodness. She made it so very clear as to what I needed to do, why and how. She explained every single thing from start to finish and answered my 100 plus questions. She was so patient with me. I felt like a new person when I hung up with her. When I finally made up my mind on who/what to go/do with for supplemental, it was a breeze. She made turning 65 joyful. Very grateful to have found Chapter through Dave Ramsey. HIGHLY recommend. Thank you Sydney S., Chapter and Ramsey team for guiding us older folks.