Long Term Care Insurance Tesitmonial

Baygroup provided excellent insight int what our insurance needs are and options to meet those needs.

Kelly A., Loudoun County, Ashburn VA, Washington, DC area

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!!

Joyce L, Baltimore, Maryland

Wonderful that Melissa filled in the long term care application for us via shared computer screen. She's very thorough and efficient.  

We liked the Friday email to update us.

It's a nerve-wracking situation, nothing can be done about that though.  Planning for long term care without knowing exactly what you will need.

P.M. and T. T., Havre de Grace, Harford County, Maryland

Melissa,

I appreciated your prompt response. Rather than trying to sell me another product, you provided your honest assessment that you could not provide a less expensive policy than the one I had.  

Thank you.

Cheryl. L, Nampa, Canyon County, Idaho

Melissa Barnickel was recommended to us when we were looking for long term care insurance. She was extremely helpful and explained everything so we could understand and make an informed decision. When we retired it was extremely confusing and upsetting trying to make sense of what to choose for Medicare Part B, prescription and Medicare Supplement Plan F. Melissa met with us and counseled us on the different plans available. Depending on what your health situation is and what prescriptions you take makes a difference on the plan you choose. This year she worked with us again on our prescription renewal. We are grateful for her counsel and feel confident our choices were the best for our situation. Thank you Melissa.

 Mr. & Mrs. T. B.