CLIENT Testimonials

CLIENT Testimonials

{Cecelia was recommended to us by a friend. What a lucky break for us! She was not only a complete pleasure to work with, but she knew every detail about the programs and was able to answer all of our questions about this important transition in our lives. She also guided us on every step in the process. It really couldn't have been any easier and it's all because of her guidance and expertise! Thanks to you, we're moving into this phase of our lives with a sense of ease! Thanks, Cecelia.

  • Michael B

{Cecelia truly saved me in the last minute. She answered all of my questions and was so kind as to answer them again if I was confused. I had a few people try and help me prior to Cecelia and then someone recommended that I call Cecelia.

Cecelia guided me through each part, step- by-step, and was always kind and clear. She called me back whenever I had questions and made me feel like she would stick with me whenever I needed something. That is true and if I ever have a question, she is there. Everything she told me was exactly what I have experienced since I signed up for Medicare. I cannot recommend her enough!

  • Gina F

{This was the second time that I have used Cecelia as my agent in finding a Medicare Advantage Plan. She is always thorough in explaining and going over all details of the plans that one is interested in perusing. She makes scheduling appointments easy and keeps the meeting on task to make the meeting length as short and painless as possible. I had a great experience with her both times and highly recommended her.

  • Kris E

{I am so grateful to Cecelia for her thorough and knowledgeable approach. During a very difficult time for my family, Cecelia was able to help and advise in a timely fashion. With a completely professional demeanor, she also managed to be warm, and recognized the important individual aspects of our family’s needs. Moreover, Cecelia has welcomed further discussion should our situation change or need to be modified. I am relieved to know this amazing advisor is always just a phone call away. I recommend her without reservation!

  • Stacey S

{Cecelia did a great job explaining what I needed and didn't for my specific insurance needs. As it was, I was spending money that I didn't have to. It was explained very well and I have other friends who've used her advice and they were also very pleased. Call her today!!!!

  • Steve S

{Cecelia did All The Things -- went the extra mile, went the extra lightyear to Get It Done. Respectfully. Professionalism the way it oughta be. Thank you, ma’am!

  • Alexandra H

{I cannot express enough how grateful I am for the exceptional service provided by Cecelia Hobbs Gardner. From the moment I reached out for assistance, she went above and beyond to ensure that all my insurance needs were not only met but exceeded.

Cecelia is incredibly knowledgeable, patient, and dedicated to her clients. She took the time to thoroughly explain the various insurance options available, helping me make informed decisions tailored to my specific needs. Her attention to detail and willingness to address every question and concern truly set her apart.

What impressed me the most was Cecelia’s commitment to going the extra mile. Whether it was promptly responding to emails or providing timely updates, she consistently demonstrated a level of professionalism and care that is rare to find in the industry.

I feel confident knowing that I have Cecelia Hobbs Gardner as my insurance agent, and I wholeheartedly recommend her to anyone seeking top-notch service. Thank you, Cecelia for your outstanding commitment to your clients!

  • Robin W

{Cecelia, thank you for your timely response and helpful, thorough answers to my questions. I am delighted you took the time and care to help me navigate the options so I could the get the services that best fit my needs. If my needs change I will certainly contact you again for your excellent advice.

  • Steven S

{I met Cecelia through a dear and trusted friend of mine. Cecelia walked me through all of the different options I had in choosing a healthcare plan. She explained in detail the options and differences between plans that I was considering. She really helped me to understand how the policies functioned and Cecelia is the first person, out of many, that I have spoken with who was able to explain in plain English how these policies are priced. She went through all the numbers in great detail so that I understood what my real costs would be.

I am very happy to have met Cecelia and I highly recommend her to anyone who is trying to navigate an oftentimes confusing health care market.

  • Thomas D

{I have been working with Ms. Gardner for the last three years in choosing the right health care choices for myself. Each time we talk, I get clear and important suggestions and recommendations that would work best for me. I come away feeling well cared for and respected.

  • Eugenia D

{My experience was incredibly positive and defined what customer service should be. She was very knowledgeable about the details of the various plans and could explain the technicalities so they could be understood. Her responses were quick and I did not need to wait forever to get answers to my questions. She was available when she said she would be. Cecelia made great suggestions and helped me decide what plan to choose. Her advice was not influenced by where or how she would make the most money but by what was best for me. I would not hesitate to recommend her to anyone.

  • Susan H

{Cecelia was great! She's deeply knowledgeable, experienced, thoughtful, and able to explain the most complex and convoluted Medicare options with clarity and care. Cecelia made sure we got what was best for us, and she did that by listening to our concerns and needs. She is truly a fantastic resource!

  • Lili A

{Cecelia was responsive, prompt, knowledgeable, and followed up consistently to ensure that I had the information and contacts I needed to secure the proper coverage. The Medicare system is very confusing and intimidating and having Cecelia's help made it easy and less stressful.

  • Keri W

{I had a very good experience with Cecelia. All of my questions were answered very clearly and professionally. I learned a lot about how out-of-network works and the questions to ask when making appointments to make sure you are getting a provider that is in-network, to avoid having to pay unexpected bills.

  • Maureen C

{Cecelia came highly recommended and lived up to her reputation. She is extremely knowledgeable in Medicare programs and shares information with explanations and examples. I feel ready to begin this new chapter.

  • Laurie D

{Cecelia Hobbs Gardner held my hand all the way through the intimidating process of signing up for Medicare. Her expertise and ability to clearly explain everything made it possible for me to choose my options confidently. I highly recommend her!

  • Kim L

{Cecelia is a godsend. I was down to the wire and very confused about enrolling in Medicare and she patiently, clearly and quickly got me on track. Cecelia knows her stuff. She provides you with the information you need and walks you through the choices. Her thoroughness really helped me understand what options were best for me. It was a tremendous relief that she made it possible to submit my application in a timely manner. Cecelia's diligence in working with me was deeply appreciated and then I was blown away by her follow-up several weeks later. Cecelia's professionalism and sincere care cannot be matched. I am grateful to have been introduced to her and VERY highly recommend her work.

  • Virginia J

{If you are trying to navigate signing up for Medicare and are confused by all the different plans that are available, I cannot recommend Cecelia and CHG Insurance Services highly enough! She made a daunting job seem easy and painless. Thank you so much, Cecelia! I will be recommending CHG to all of my colleagues!

  • Shelley H

{I can’t begin to tell you how wonderful my experience was. There were many bumps on the road, especially since I am not a “computer person”. Cecelia is now “Saint Cecelia”, explaining things to the point where even I got it! if you find yourself in need of help, I highly recommend CHG Insurance Services!

  • Richard B

{I’m very pleased I chose CHG Insurance Services. Cecelia asked me questions about my situation and with clear, careful, and patient explanation, aligned me with insurance options that have given me a great sense of comfort. With her counsel I’ve become confidently knowledgeable in an area that had frightened me before. Thank you, Cecelia!

  • Ray J

{I highly recommend Cecelia! She is incredibly knowledgeable, thorough, patient and reassuring. She was generous with her time and ensured I understood my options before choosing one and made sure I was comfortable with the choice. She is also available as an ongoing resource which is very valuable to me. I could not have navigated this alone and feel I received extremely good help.

  • Leslie T

{Cecelia was well-informed, professional and compassionate. We were able to explore various options which emphasized our needs and goals. There was no pressure. We were able to select what might be best for us. Highly recommended!

  • James S

{Like many of us reaching the age of signing up for Medicare, I was juggling a lot and adding this was incredibly daunting. But Cecelia walked me through every detail with kindness, patience and much-appreciated wisdom. All my worry disappeared — I was taken care of!

  • Barli N

{I had a terrific experience with Cecelia discussing the myriad options available when considering what to do regarding insurance/Medicare options. It is all rather dizzying and intimidating but Cecelia laid out everything in a matter-of-fact way, pointing out various areas of concerns and potential pitfalls. We very much appreciated her candor and easy manner in guiding us through the thicket and feel much more comfortable about the decisions we have to make going forward. I couldn’t recommend Cecelia more highly!

  • Peter P

{Cecelia Hobbs Gardner of CHG Insurance Services was my Medicare savior! Her incredible patience, clarity, supportiveness and top-notch professionalism made what could have been an overwhelming process for me very smooth. I really appreciate her breadth of knowledge and ability to explain and steer me through all the minute details so clearly and her being very attuned to my particular needs and situation. I would not hesitate to recommend her to anyone who is ready for Medicare. Brava, Cecelia!

  • Katherine L

{Cecelia was a lifesaver and a genuine pleasure to work with. She is extremely knowledgable and an excellent guide through the complexities of the Medicare maze. Her explanations were thorough and clear, she was patient with questions and was committed to finding me accurate answers. She’s also a very nice person. I can’t recommend her highly enough.

  • Mary O

{The fear of being vulnerable and not having the right resources to take care of oneself is probably universal, regardless of our circumstances. Cecelia was patient and informative about the options my husband and I have regarding Medicare. There are many variables to consider in making these choices including lifestyle needs, current health status, anticipated needs in terms of health care and financial issues. It was overwhelming. Cecelia broke down the facts and options specific to our particular situation.

  • Carol H

{There is SO much to unpack when deciding on Medicare plans. I am very grateful to have someone with Cecelia’s intelligence, breadth of knowledge, and welcoming manner to help me figure out the best way forward. It’s amazing how much I learned from just one conversation! Thank you, Cecelia, for lending your talents to this particularly challenging course to navigate!

  • Monica G

{Having known Cecelia as a person with professionalism, integrity, and a most pleasant personality in our music industry (Broadway, Orchestras, etc.) for 40 years plus, I am delighted that Cecelia has taken up this most important service and skill. Having a known advisor like Cecelia, who is a trusted resource, is most valuable to navigate the complexities of choices in the Medicare area and is a fortunate development for those entering, like me, into this stage of life.

  • Stan K

{Cecelia is a gem! Her patience, availability, professionalism, and knowledge are priceless. She made the process of understanding the Medicare plan maze as easy as can be. I am so thankful to her and I highly recommend her services.

  • Susan M

{Turning 65 years old is a great milestone but you also enter the dark tunnel of Medicare insurance information. Trying to figure out the Medicare benefits on my own was a difficult task. CHG Insurance Services was highly recommended to assist in navigating all the options available. I met two times virtually with Cecelia. She showed incredible knowledge and patience while talking me through all the options, discussing pros and cons and answering all my questions professionally. Anyone that needs help to navigate the Medicare insurance system should contact CHG Insurance Services. I am glad I did.

  • Bert V

{I can’t think of a better person to shepherd you through all phases of the Medicare maze. Cecelia made the entire process much less stressful and more transparent, explaining everything in plain English. I had to sign up in phases and she was there at each critical point. Especially important: she is able to provide a great range of plans and I feel 100% confident that, with her guidance, I chose the best option for myself.

  • Rachel T

{Working with Cecelia has really helped me make one of the most important decisions that you can make. She was extremely knowledgeable, informed, and helpful -- listening to my needs and considering my unique situation. She was very responsive and that was extremely reassuring. I would highly recommend her for her insight as well as her educated and caring approach to Medicare.

  • Jody J

{First class service! Cecelia took time to establish our specific needs and circumstance before making recommendations and talking us through the application process. She simplified a system that is, to a layperson, impenetrable. I would unreservedly recommend CHG Insurance Services to anybody approaching the Medicare maze!

  • Nick B

{Cecelia, clearly and patiently, explained the too confusing Medicare scenario for me. She guided me so that all the parts were completed in time for my coverage to switch seamlessly from my previous insurance to Medicare without a day in between. She facilitated every step quickly and kindly. I’m so glad I called her!!!

  • Nina H

{A friend recommended Cecelia to me. She said, “You won’t be disappointed!” How many times do you hear that? Let me tell you, Cecelia was just the right person to help me negotiate the Medicare enrollment system. We talked for quite some time about what my needs are now and what they might be in the future. Cecelia listened to me patiently, explained how the system works and (for me) the importance of trying to make the right decision during the 6-month Medigap Open Enrollment period. I feel she helped me make the correct choice and I could never have gotten through it without her help. I would not hesitate to recommend Cecelia to anyone getting ready to join Medicare! Thank you so much, Cecelia, and we look forward to your assistance when it’s time for my wife to enroll.

  • Gregory G

{Working with Cecelia to figure out my Medicare choices was an excellent decision. After an entire working life with "gold-plated" insurance, I approached the entire Medicare experience with a fair amount of trepidation. Cecelia, patiently and expertly, guided me through the entire process, listened carefully and respectfully to my concerns and worked out a course of action for me. Her professionalism and demeanor made the process seamless and her explanations were helpful in understanding options and choosing plans. I would commend her expertise to someone setting off on this path or to someone who needs an annual review. Highly recommended!

  • Don W

{As a respected friend & colleague in the music biz, Cecelia was recommended by a musician friend to facilitate our medical supplemental coverage. Having experienced major problems accessing general Medicare coverage, I was anxiety-ridden. My issues were particularly complex, dealing with both Medicare reinstatement & Cobra coverage. Working with Cecelia made for a relaxing, stress-free experience. Cecelia clearly explained coverage options accessing both Medicare supplemental & prescription drug plans directly. Her specific knowledge was invaluable in a maze of confusing rules. Her follow-up to detail to ensure all was engaging properly was thorough. Many thanks for an excellent experience all around!

  • Michele K

{When my union stopped providing health insurance for seniors, I didn't know where to begin; it all seemed too confusing and overwhelming to tackle. Fortunately, a friend referred me to Cecelia Hobbs Gardner. She invested several hours on the phone with me combing through and explaining my options and posing questions about my health coverage needs to help me identify the right plan for me. She helped me decide on the wisdom of a dental plan and got me the best policy for prescription coverage as well. Cecelia was patient and supportive throughout--there was no question or detail too small for her. I never felt like I was working with an insurance agent, someone trying to sell me something. I felt like I was working with a caring friend. I don't know how I would have navigated the challenges of transitioning from my employer coverage without her help. I will happily send anyone who is looking for help with health coverage to her. Thank you, Cecelia!

  • Jill L

{I called Cecelia for help on the last day and during the last possible hours of finding a new insurance carrier. The yearly deadline was in a few short hours. She returned my call within ten minutes and we made an appointment for a Zoom session as soon as she could be available. We spent two solid productive hours together, resulting at last in what looks like a tremendous improvement and price over my previous year's policy. She was extremely comfortable to be with. She could have overtly or subtly made me feel embarrassed for looking for professional guidance at absolute zero hour. But she was humorous, gracious, and almost made it fun. I would highly recommend Cecelia and her services to anyone who needs assistance with their health insurance.

  • William K

{Cecelia was recommended to me by a longtime colleague and now I can happily recommend her to anyone stressing over their Medicare and prescription drug choices. Cecelia is kind and patient and supremely well informed, and somehow manages to make an insanely complex system a little less daunting. You will never doubt that she is committed to finding what works best for you. I am especially thankful for all the time she spent trying to track down a plan that covered a specialty drug that was prescribed to me. I plan an annual check-up with Ms. Hobbs Gardner.

  • Ronnie S

{Cecelia is a pleasure to work with! She broke down the available options in detail, and took all the time necessary to tailor a solution specifically to my needs. Her knowledge and expertise in the field are massive, and she patiently answered my, roughly, one million questions. Thanks to Cecelia's guidance I feel very confident in having made the best choices. Thank you!

  • Henry A

{It was great talking to Cecelia about the process of choosing the right Medicare coverage. Things became much more focused and clear as our conversation progressed. She explained everything in plain, simple to understand terms and was of great help in soothing my anxiety about making the right decisions. Also, very useful to me, she made me aware of timelines regarding applications for the different programs available. Many thanks and we will keep in touch as circumstances change in the future!

  • Sebu S

{The Medicare system is so complicated and overwhelming and the stakes feel very high in terms of making the right decision. Cecelia understands the complexities and helped guide us through different scenarios, looking at the positives and negatives of each plan. It’s a tedious process, but Cecelia was able to help us navigate the overwhelming number of choices, for which we are very grateful! She was patient, knowledgeable and caring, and there was never any pressure to “buy” a particular product or anything remotely like that. Cecelia just carefully guided us by asking us the right questions and knowing what would suit our needs. My husband and I would highly recommend Cecelia to anyone looking for an excellent guide through the Medicare quagmire.

  • Sue L

{What can I say about Cecelia Hobbs Gardner? Well, first off, she is versed in what she does. She was patient as she walked me through the various choices offered to me as plans. Cecelia explained, with clarity, and answered my every question and if she did not have the answer in that instant, she went and found answers. She is not your average agent. I found her professional AND personable. We talked, we shared laughs, and she took care of me in a way that makes me want to tell all of my friends who are about to enter the Medicare age to seek out her counsel. I am comfortable and confident in the choices I made due to Cecelia’s generous and diligent work. And there you have it. I did not over-praise nor gild the lily. Cecelia is wonderful. I am grateful and thankful for her.

  • Keith S

{If you are looking for a patient and extremely knowledgeable professional to assist you with Medicare options, look no further. Cecelia has assisted me on three separate occasions. Each time she took the time to research the options that would best match my needs. She was patient and reassuring. Most recently, I decided to navigate on my own (will never do that again). Cecelia was quick to uncover a HUGE mistake I made and saved me from losing a great benefit. Medicare insurance can be very confusing to the untrained individual. Cecelia uses her experience to guide you through the process, helping you to make the right choice. I feel relieved that I reached out to her and rest easy knowing that my option was the best one that fit my needs. I will continue to use Cecelia in the future and HIGHLY recommend her service!

  • Kelly M

{Cecelia Hobbs Gardner has been a longtime colleague of mine in the New York musical world. She has always impressed me with her intelligence, caring attitude and upbeat personality. When I needed advice about my Medicare coverage, I had a consultation with her. Her extensive knowledge of the subject combined with clear and easy explanations helped guide me to the decision that was best for me. I give Cecelia my highest recommendation. You will not be disappointed!

  • Maureen H

{I am sure I am not the only one who finds navigating the Medicare world somewhat bewildering. Is Medicare enough? Should I get a supplemental plan? If so, which plan is right for me so that I can feel comfortably protected? Within 24 hours of contacting Cecelia Hobbs Gardner, not only did I know what I needed, Cecelia had seen to it that I actually had what I needed. She patiently explained my options, answered my questions and laid out a very sensible, well considered plan of action that was just right for me. My insurance anxiety has abated and I feel well protected, thanks to Cecelia.

  • Rick F

{With a number of questions about my prescription drug plan, I scheduled an appointment with Cecelia who graciously spent time walking me through my options. Even though she could have sold me a different plan, she determined the plan I had in place was the best for my needs. Above all, Cecelia works tirelessly to provide her clients with the best possible service and satisfaction. For many of us, it is a daunting process navigating the many choices available. Cecelia is someone you can trust absolutely to find what is best for you. She is genuinely delightful, very knowledgeable and I am so grateful for her guidance. I highly recommend her!

  • Jane T

{Cecelia helped me to not only sign up for Medicare part A, but she helped me work through the very complicated decisions around part B. She is service-oriented, and thoroughly informed. And, not only that, she provides information in a way that is understandable and helps to cut through the anxiety that comes along with governmental red tape. You cannot go wrong with Cecelia. I highly recommend her!

  • Mary M

{I found myself utterly overwhelmed trying to navigate the Medicare morass. Though I’d pretty much arrived at what I THOUGHT would be the right way to go for me, I still had a million questions. Finding Cecelia was a godsend. I knew right away I was in good hands — capable, knowledgeable, exacting, thorough, clear, and genuinely invested in finding the right plans for me and my needs. She really went the extra mile to make sure everything I needed was in place. She was also a complete delight to work with. I recommend her enthusiastically and wholeheartedly to anyone grappling with this crazy system.

  • Anne C

{Cecelia Hobbs Gardner is a treasure. When my husband and I lost my union insurance, through no fault of our own, we felt lost and abandoned. Through a miracle of some kind, Cecelia stepped into our lives and worked tirelessly with us to find the perfect replacement insurance that included all of our doctors and which did not drain our back accounts in the process. She addressed all of our questions with time, attention and care and we are very happy with our new insurance. We have recommended Cecelia to others who have also had the same experience. We will always consult with her in the future, no matter what our needs or changing conditions. She is our guide, and there are just not enough words of praise for the work she does and the loving attitude she brings to her clients. She's FIVE STAR!

  • Deborah W

{When the pandemic shut down all of the entertainment industry work in NYC, I realized that I was going to lose my union health insurance coverage after more than 40 years. I had no idea what the next steps should be. But I met with Cecelia and she guided me through my enrollment in Medicare Part B and helped me evaluate additional coverage options. She is extremely knowledgeable about all aspects of Medicare and made it very easy to understand. She took the anxiety out of the the whole process and made it very enjoyable. Cecelia is the perfect person to call to help you navigate the ins and outs of Medicare and choose the best plans for your individual situation. She is excellent.

  • Earl G

{I found Cecelia's services to be perfect for my entry into Medicare and all its ramifications. She was extremely well-organized, made excellent suggestions geared to my particular needs without pushing anything and was a calming presence to boot. Without question, a five-star rating.

  • David H

{Thank you, Cecelia, for your knowledgeable insight into navigating the Medicare maze. When I asked you to explain it all to me as if I were in the 8th grade, you managed to do so and still gave me all the necessary information! You are the BEST!!

  • Jackie P

{Cecelia is the Health Insurance guru! She has for several years now patiently guided us through the labyrinth of prescription drug plan choices and always come up with a good deal for us.

  • Jonathan T

{Cecelia was absolutely wonderful. My drug plan was no longer available and she found me a better plan for a lower premium. I could not have done it without her knowledge and expertise.

  • Mary B

{Cecelia is a wealth of knowledge and helped to navigate all the options until we felt comfortable with our plan. Many thanks for the time and effort taken.

  • Rita B

{Cecelia was a delight to work with. She responded immediately to my request for help and explained the process clearly and concisely. She certainly made Medicare “friendly”!

  • Terry C

{She’s the best! She researched different prescription drug plans that would fit my wife and me and found a plan that is saving us a lot of money. I highly recommend Cecelia Hobbs Gardner for your insurance needs!

  • Bill P

{Cecelia was referred to me by someone else who helped me with my Medicare support. Cecelia took the time to help my wife and I to find the proper dental coverage that we would need. She spent a lot of time and effort, unselfishly, to provide us with the information we needed to make a decision.

  • Ed P