5 /5 marie butler: Need Help? go see Carmelo at NYC Business Group. He is so knowledgeable, skilled. I was perplexed/confused with over a dozen letters from every health care company, Medicare, SS etc. Carmelo has a way, passion when he speaks with you. He showed me examples giving great insight on how health plans work. Carmelo understood my needs and met them. He represents you! He also quizzed me making sure I understood, I finally did:) this is a new journey for me will keep you updated in 3 months. Bless you Carmelo Defranco. PS they actually answer their phone.