Let me start out by saying that Cheryl is probably one of the most personable ladies I have ever met. I feel like I have known her all my life. She made my retirement so much easier. She helped me pick out a plan and then she took care of everything, SHE DID IT ALL I didn't have to do a thing! She knows her job and knows it well, she is just impeccable at what she does and as a human being. If you want a good medical insurance plan she's your go to girl. I will always remember, with gratitude and fondness, what she has done for me.