Toni, a Chapter employee, was of tremendous help to my husband and me. For months we had anguished about making this decision, worried we would make a serious mistake. We were overwhelmed with new Medicare supplement language, marketing material and advice from friends. Finally we lucked out and saw the Chapter phone number. Toni answered and immediately put our mind to ease with her competence. She clearly articulated our options based on our priorities, patiently and thoroughly answered a ton of our questions and within a short time had us signed up for a plan that works for us! We are so thankful!!!