Long Term Care Insurance

What sets Melissa apart from the competition is her ability to listen well.  She has no agenda apart from making sure your needs are met, based on the goals you wish to achieve.  She is thoughtful and kind and has great problem solving skills.  I would recommend Melissa to anyone wishing to investigate and purchase Long Term Care Insurance.

K. M., Middletown, Frederick County, Maryland

Figuring out what long term care policy to buy can be very confusing, so I am grateful to Melissa for helping me identify what benefit plan would best serve my needs. She clearly knows what the plans offer and how to match the benefit amounts with my financial and long term care needs. I really appreciated her wisdom on what was a very difficult decision. She is not only an expert, but a great person to work with. Thank you, Melissa!

Thanks!!!  T.L., Rockville, Montgomery County, Maryland

Recently we had a series of meetings with our Estate Planning Attorney to review and update our pertinent documents.  In the process, she suggested we have our LTC policies assessed, which we’ve had since 2002.  She suggested Melissa Barnickel for the job as she is a specialist in these types of insurance.  Since we had often wondered if our policies were still relevant and worthwhile today, we were delighted by the opportunity to have a trusted professional provide us with an independent review.

I am sending this letter in follow up to your efforts to secure long term health insurance for me. I am, of course, disappointed that I could not acquire the benefits that desire but I understand the position of the insurer. I want to thank you and Debby for your continuous efforts to share information with me and to try to catch me for appointments, which if I had followed through sooner, perhaps my success might have had a better chance. All is not lost, as I learned a great deal and hope that if I make any life changes that will impact my chances, I am encouraged to try again.

A.B., Aberdeen, Harford County, Maryland

Melissa and her staff were wonderful to work with. She succeeded in walking me through a challenging process where others had failed. Melissa/Baygroup provided resourceful problem-solving and excellent customer service every time! 

L.G., Towson, Baltimore County, Maryland

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