This is a scam and all they care about is the fee they get for wasting your time. Rude people associated with Farmers Insurance. They set up an appointment for 2PM for a call back, didn't call until after 3PM then the stupid idiot asked me to provide them with my login for healthcare.gov so they could get credited. I refused their request for my login and password, That is not professional or ethical. Stay far away from this failed company.