After a long period with a too-expensive policy I looked forward to downgrading to something more affordable yet I had many questions. I called our local Senior Services and they told me about MMAP. Michael called back later that day and spent the better part of an afternoon educating me about my options. He was very kind, patient, and informative. I left with a clear understanding of the lay of the insurance landscape and confident of my next step. Michael even gave me an important tip for ten years in the future! The value of this help to my quality of life is very great, inestimable.