I was 6 months pregnant, with a pre-existing condition. Helena advised me that I would get a greater benefit if I would consider an HMO. She also walked me through the Blue Shield website to search for doctors and groups associated with Cedars Sinai Hospital…After have a c-section and being in the hospital for four days, I paid only $750… I found wonderful doctors and absolutely chose the correct plan for me. I would definitely recommend Ruffin Solutions, as it is a joy to work with Helena. Helena has also helped to find the right health insurance plan for my daughter as well as life insurance policies for my husband and I!