“Rick Joseph has assisted my husband and me in making decisions with both COBRA and Medicare options over the past decade. Choosing the right medical insurance is ridiculously complicated, but Rick knows the business well and has helped us choose the right policy for our needs. He responds to emails promptly, explains details clearly, and has a delightful sense of humor about the process. I have recommended him to many friends and business associates, and I would definitely contact him again if our insurance needs change.”