Thanks, again, for your wonderful guidance on Rx and Medigap. I really enjoyed our session yesterday and appreciate knowing I have a Medicare expert on my team. I messaged Kim, with my financial planning firm, this morning and told her you are number one and to send all MC clients to you!!!
Melissa enabled me to make a sensible decision concerning my future health. I did not want my children to face my advancing years without support. Melissa made it easy for me to find the comfortable plan for my LTCi!!
It was very useful to have Melissa’s input on options I am considering for insurance. Her familiarity with what various insurers are offering is great. Especially helpful when dealing with considerations that may be out of the ordinary – like what kind of restrictions would apply for use of policy benefits outside of the US. Melissa has done her homework and has a lot of that information right at her fingertips.
Melissa has been helping Government Employees Benefit Association members for over 10 years. She has extensive product expertise to help find the correct policy for each person/couple. She educates our members via large and small seminars, articles in our newsletter, on our website and also via podcasts. She works directly with individuals/couples to continue that education and make that education specific to them. She continues to service employees as questions arise or as their situation changes.
One of the cruelest realities of professional long term care is not only the high cost (not covered by Medicare or other health insurance), but the fact that - when we need care - we are in no place physically or mentally to rally and easily meet the expense. Moreover, it’s likely that our family isn’t, either.
In many cases, we (or our family) end up making next-to-impossible, painful decisions.
We could not be happier with the service we received from Melissa Barnickel in choosing & purchasing our long term care insurance. She is extremely knowledgeable, professional and organized and spent endless hours ensuring that we understood our options and she helped us find the best choice for us. The long term care market is very complex and we never would have been able to navigate it without her expertise. We would highly recommend her for anyone looking for long term care insurance.
Melissa was helpful giving us many options for long term care. She greatly explained all these options and brought us to the conclusion to purchase the LTC policy (life insurance with a LTC rider).
