Being a single woman, & on a very fixed income,I needed health insurance that didn't break the bank but would have decent coverage. Thank goodness I was referred to Rick Young. If you have ever had to choose an independent health plan, it can be overwhelming & a bit scary because the wrong choice could wipe out your income if you get hospitalized for any length of time. Also, with literally hundreds of plans to choose from, which one will suit your own personal needs? After connecting w/Rick, he gave me several options over the phone & he asked me to call him back w/a decision. He also sent me e-mails w/the breakdowns by insurance companies. I was confused & called him back w/questions. He went over the plans again, & said to take my time & call him back when I decided. In the meantime, I talked to friends & family about the plans.They also made some other suggestions that I looked up on-line. I called Rick back, still not decided & w/some new plans. It took a couple of more calls to make my choice. We decided on his plan. EVERY TIME I spoke w/Rick, he never made me feel stupid or that I was taking up his time because of my indecision. He was kind and made every effort to fit the plan to my own special needs. If I was busy when he returned my calls, his call backs were always when he said they would be. I also loved that we could do business over the phone since his office is not that close to my home. Many people these days are impatient or self-centered & believe that they're the only customer. Rick made me feel like his only customer. Over the years, when my plans went up in price due to the insurance companies, Rick was there for me again, finding me a new plan for my needs. And now for the best part of my relationship w/Rick Young. Recently I found out that I might require hospitalization. I am now on Medicare w/supplemental insurance that I got through Rick. He just happened to get in touch w/me,wanting to know if I could handle an upgrade w/my supplemental. What timing! Or should I say, a great insurance agent who professionally followed through w/me time & time again! And this last time, could be saving me thousands of dollars because he took the time and concern about my situation. Mr. Young, Please don't ever retire!