Preserve your quality of life, financial resources & positive family relationships.
We are living longer due to advances in medical science, but there is a downside. We are more likely to develop a chronic long-term condition, experience an unexpected event or require assistance with everyday activities due to illness or the frailty that naturally comes with aging.
Are you looking to increase member retention and new members to your Group* or Association?
Add member benefits that will provide additional value without additional cost to your organization or using staff time to implement!
You value your association members. The discounted programs and financial vehicles you have made available to them have helped them provide for their families’ health as well as maintain and grow their wealth.
Melissa was extraordinarily helpful in my recent decision to purchase long term care insurance. She really did a good job explaining basic concepts of long term care insurance to me and my wife. She was able to explain complex ideas in simple to understand terms. She provided both background material and specific details of coverage. She explained the options and why one choice might be better than others. My research with other companies and websites, time and again proved the value of her advice. She was extremely responsive to my questions and concerns. I never felt pressure or rushed to make a decision or purchase. Her explanations and suggestions made me comfortable with my purchase. I recommend Melissa Barnickel to you if you are interested in Long Term Care insurance. -Peter A., Middletown, Maryland
Tuesday, July 9, 2013 at 7:00 p.m. to 7:30 p.m. Melissa Barnickel, CPA, CLTC will educate consumers on the various options of paying for a long term care. Discussion will include: private pay, traditional long term care insurance,
Many middle-income Americans do not have adequate safety-net to draw on, IF they have significant health expenses not covered by health insurance. Also, what about health events that are not covered by major medical health insurance, such as custodial care?
I have known Melissa Barnickel for ten years and early on saw the depth of her knowledge on Long Term Care Insurance. This set her apart from others who I met that handled insurance including long term care insurance. When I introduced her to my husband, he was very impressed, particularly important since he was not immediately enthusiastic about this decision. We now know that it was an excellent move for our financial well-being. Our attorney and financial advisor both know her and have the same high regard for Melissa.
Last year when we retired, we had read much about health insurance and supplemental insurance. She spent a great deal of time going through it with both of us, providing all the options for us to make the right decisions. Retiring was wonderful, however, there were so many unanswered questions and financial concerns that arose. She was of great help to us both. I would recommend her to anyone and know others who would do the same. - Mr. & Mrs. T. R.
Your medical insurance, including Medicare when eligible, will not pay for help in the home and other venues (assisted living, skilled nursing home..) for an extended period of time.
