Mr. Raymer has the personality of a piece of cardboard. No compassion, no empathy, not a single I'm sorry, Ma'am. I have been reported deceased and have talked with the national office, who took my information and told to get in touch with Gallatin. This is an immediate problem due to medicare coverage and income. He offered no help at all, including directions to office and suggestions about least busy time. He made a bad situation worse. I will be visiting this office soon!