Melissa does an excellent job at walking you through the various plans and options and brings much needed clarity to a somewhat confusing subject, Medicare Supplement Insurance (Medigap).
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.
My wife and I met with Melissa Barnickel after being advised by our financial advisor of the cost of long term care. Melissa is a very knowledgeable, professional, and extremely customer focused individual. All of our questions are always answered immediately and completely. We could not ask for a better agent than Melissa. Thank you for your quality customer service!
Short Term Care (STC) offers a facility (nursing home or assisted living) benefit and may have some hospital coverage and home health care for up to 365 days.
Melissa and Debby were very helpful in picking the best Medicare Supplement and dental insurance policies for my husband and myself. I will share my experience with my friends.
Melissa Barnickel made the purchase of my long term care insurance a pleasant experience! She was very kind and really took the time to explain and answer all my concerns/questions that myself and my son had. Quickly responded when I emailed her, was always there for me. I truly appreciate all she and her office staff did to make this process as easy as possible.
Baygroup Insurance was very helpful in my decision making regarding long term care insurance. Melissa Barnickel and Debbie Lawrence were extremely easy to work with. They were very responsive too!
With so many people bearing the emotional and financial brunt of being a caregiver, we looked for the best tips to help ease the day-in-day-out stress that comes with such an important role.
My husband and I met with Melissa to discuss a long term care policy which we have had for about 10 years. We wanted to see if "we could do better," and Melissa advised us to keep what we have as it is more complete than what we could purchase now..and for a higher price. We appreciated her honesty. She was there to help, not just sell us her product. We'll be going back when it's time for purchasing secondary insurance on
