A Soledad Ramirez, of Health Markets Insurance contacted me from an Internet questionnaire I submitted, while looking for supplemental insurance for Medicare. She insisted that she meet with me in person, as "it is very complicated, and I have to explain it to you in person." She further threatened me by saying that if I didn't sign up I would be penalized. By the government. This is wholly untrue, also known as a BIG FAT LIE. She went on to say that because I did not have Medicare Part D (drug insurance) that I would certainly have to pay a fine. I told her I didn't take drugs... at ALL. That I didn't care. I was looking for a supplemental type insurance that would cover or give me a discount on acupuncture treatments. She said she would have to see me in person. She has further harassed me through constant emails, all of which repeat the threat of "penalty." I have done the research and I am NOT in danger of being penalized on anything. - Susan, San Diego, CA