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.
When considering the purchase of long term care insurance, it’s only natural to focus on the cost of the coverage. But let’s redirect our gaze to the cost that is truly important: the possible cost of not being insured.
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).
Melissa Barnickel was so helpful in helping me make my decision to purchase long term care insurance. She spent the time explaining everything to me, made herself available for any question and concerns. I will refer anyone I can to Melissa. She was a pleasure to work with.
It was such a pleasure to meet you, especially at the beautiful location of your lovely home. My husband and I appreicate your guidance and advice as we go into this complicated next stage of our life.
Again, I want to congratulate you on the birth of your newest grand baby!
Very comprehensive explanations of "insurance" and translation into real English. Melissa is very patient. This has been a long process and she and her staff, Debby, have been very diligent.
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.
When considering the purchase of long term care insurance, it’s only natural to focus on the cost of the coverage. But let’s redirect our gaze to the cost that is truly important: the possible cost of 