LTC is so important and Melissa and Debby helped me decide what I needed to take care of me when I need it most. LTC will allow my children to have the funds necessary to care for me so I am not a financial burden for them.
The excellent and sufficient time to understand the purchase of a LTCi policy was outstanding. I was not sure and uncomfortable about this step in life and value to me and my family. Melissa was able to clearly and to the level I needed explain, provide answers and work to find the right LTC for me. Thank you - a very satisfied customer.
Melissa was patient in explaining each step of the process and each benefit option. I felt comfident I was making a good decision having worked through several long term care plan design options with her. Thank you Melissa!
Dear Melissa, Our time on the phone with you was the most valuable phone conversation we’ve ever had. It is amazing that anyone could have the knowledgeyou have on Long Term Care. We cannot thank you enough and will tell everyone we know about your expertise! Thank you so very much! Jack E and R.E, Grasonville, Queen Anne’s County, MD
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.