I am a CPA, with an MBA and Ph.D. in taxation and 50 years of accounting and tax experience. As you can imagine, I am used to government bureaucracy. I studied all of the Medicare rules and did my own research on different plans. However, I did not feel comfortable picking a plan without help. If I needed help, I am sure you will too. I STRONGLY suggest you call Effie. She was a Godsend. She answered all our questions and took the time to educate us on the complexities and options of Medicare insurance for my wife and I. Don't do this alone. It is too complex. Mistakes are expensive.