Buyer Beware!!! I'm very upset about the insurance options given to me last year by Suzette at Kashmiry and Ass. All I asked was that my PCP be in network. She emailed me a big list from which to chose an insurance provider and it wasn't until I needed to schedule with my doctor that I realized that he was not in network! When I asked her about this, Suzette said I could switch doctors!!! So after 26 years of building a relationship with my doctor, I'm just supposed to pick a different doctor! When I mentioned this to Ray, he told me to ask my doctor for a non-insurance rate! Suzette did apologize but Ray was extremely rude. Unfortunately, I had to pay out of pocket for several doctor appointments and skipped some altogether. You're better off going to www.healthcare.gov and finding your own insurance or getting another agency to help you. read more