I have been intimately involved with federal and state social insurance programs for close to 30 years. I had the opportunity to speak with H about the process and how decisions made impact beneficiaries. Having seen outcomes from only one side, I expressed my shortcomings of knowledge as to how private insurance can fill unforeseen gaps in coverage. I knew he would have the answers. He not only helped me understand how public and private sectors work together, he put my mind at ease knowing the people I serve have an opportunity to afford unexpected health care costs, maintain their lifestyle and receive appropriate care. H knows what he is doing and can help guide beneficial choices.