Having very recently watched both of my grandmothers and my father-in-law's health decline to where they all required caregiving at the end of their lives, my husband and I both realized it was time to prepare, as best we could, for our own future health care needs. Melissa Barnickel was tireless, and always helpful and cheerful, in answering our seemingly never ending questions to select a LTC program for us. We are very grateful for her vast knowledge of the business and for her incredible insights. We now feel very well prepared to face that last chapter in lives. Mrs. P. S.
I recently retired and so my husband and I needed all new medical, prescription and dental insurance. Melissa Barnickel at Baygroup Insurance was recommended to me by a friend. I had looked at different insurance plans myself, and it was just overwhelming!
My husband and I found ourselves in early November without health insurance for 2018. We contacted Melissa and within a couple of days she set up a phone interview and spoke with us almost two hours answering our questions and explaining our options. She then followed up a week later and helped to sign us up for health benefits. She was extremely knowledgable and if she did not know the answer she researched it and got back to us.
Melissa, Thank you for getting me through this process. It's not a pleasant subject to think about, but I feel better knowing that, unlike my mom, I have this option to fall back on if I need it.
Thanks, M.R., Ellicott City, Howard County, Maryland
My wife and I were very impressed with Melissa Barnickel when, in 2010, we decided to survey the long term care market. After asking us several questions, she sent us information to review as well as a number of proposals to consider from companies that she felt were leaders in the industry. One example of a study that she supplied stands out to us—it was the average facility costs to be a resident in the geographic areas that interested us. The premium quotes for the coverage available, along with applicable discounts when both spouses are insured, combined with the costs of facilities provided a complete picture so that we could intelligently make a decision on our next step---the application for a policy with designated personal preferences. Melissa simplified that process for us as well by answering questions and electronically sending us everything we needed. Her terrific follow up and patience was exemplary. We have recommended Melissa to friends and family without hesitation. - Mr. & Mrs. B.P.
