I. too am an Independant Agent since 1981 and most everyone on this post is wrong, or is not telling the full story. You can go back to Med Supp etc, etc, etc. Drs get paid quicker with med sup and it is the cadillace at the moment. You should talk to someone who knows and who does not guess. Find an agent who in business year around and not just 3 months in the fall
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