Baygroup (Melissa Barnickel) was very responsive to our many questions and concerns as we endeavored to identify the policy that would most meet our needs. She listened to us and helped us sort through mounds of options (many carriers, plan designs for both traditional long term care insurance and life insurance with a long term care insurance rider). She and her assistant, Debby Lawrence, "held our hands" through every step of the process, and made sure we understood what we were doing "in the now: and what would come next.
My wife and I met with Melissa Barnickel after being advised by our financial advisor of the cost of long term care. Melissa is a very knowledgeable, professional, and extremely customer focused individual. All of our questions are always answered immediately and completely. We could not ask for a better agent than Melissa. Thank you for your quality customer service!
Short Term Care (STC) offers a facility (nursing home or assisted living) benefit and may have some hospital coverage and home health care for up to 365 days.
Baygroup Insurance was very helpful in my decision making regarding long term care insurance. Melissa Barnickel and Debbie Lawrence were extremely easy to work with. They were very responsive too!
A Medically Underwritten Immediate Annuity will be a good solution for someone in an assisted living or nursing home that is able to re-position assets to generate an income stream for the rest of his or her life.
Home Health Care insurance can provide coverage for you, your spouse and loved ones to receive professional care in the comfort of your own home. 74% of people prefer home care over a facility (assisted living or nursing home).
As we work with an increasing number of our clients who are using their long-term care insurance policies, we remind you that there are actions that you may need to take to make certain that the policy works effectively for you and your family if you require care: