My daughter graduated from SFAI this last May and her health insurance ended. I searched the Internet and found Daniel Masarsky representing Blue Cross. I called his office, Daniel answered the phone, wow no automated attendant or voice mail. I explained my needs, Daniel called my daughter and walked her through the online application. I was amazed and thankful he would take the time to help with her with the application process. Due to current health issues she was turned down by Blue Cross. Daniel suggest Major Risk Medical Insurance Board, insurance through the State of California, for people turned down by other carriers. In this day and age of very poor customer service, Daniel is the exception. I would highly recommend his services for your health insurance needs.