The most useful part of this software is that it can predict your future expenses very accurately if you have been using its service before! Sometimes when I try to connect with their customer support team they don't respond at all or only reply after many emails sent by me which took more time then required so be patient please!! Highly recommend. If someone wants accurate predictions about his/her health care costs definitely use lumiaa's services asap because once used my experience was amazing i got real-time updates every month from them regarding how much money will come next year via hospital bills etc..