Medigap Testimonial

My husband and I are so grateful to Melissa for making an onerous set of confusing decisions so much easier to make. She is very patient and knowledgably answered all our many questions - her assistance was invaluable. We could not have made these decisions without her clear explanations, roadmaps for comparing plans, and individualized review of our needs, all with her lovely and friendly manner. She is just awesome and so pleasant to work with! We received truly exemplary service – many, many thanks, Melissa!

Linda S, Takoma Park, Montgomery County, Maryland

Both Amy and I wish to thank you for your expertise and generosity of time.  I'm certain that we would not have navigated those health care sites alone without making major omissions - but confident instead, thanks to your guidance.

All the best,

Bob C and Amy D, Baltimore City, Baltimore, Maryland

I would not have expected what a huge help Melissa's work proved to be. How difficult could it be to enroll in Medicare?
But I was wrong. She became indispensable in navigating the myriad of unfamiliar details we faced.

Tom B., Anne Arundel County, Maryland

I can't imagine making these complicated decisions, wihtout the assistance of Melissa's wisdom and experience, I would have been lost!

Jan W

Alexandria, VA, Fairfax County

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!!!

Dear Melissa,

Well here it is, the long overdue thank you note! 

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!

Sincerely,

C. M., Darlington, Harford County, Maryland

Our financial planner referred us to you to evaluate insurance now that I am retiring.  Choice between COBRA or individual health insurance for my health insurance, dental and vision for both of us.  My wife is already on

I recently retired and so my husband and I needed all new medical, prescription and dental insurance.  Melissa Barnickel at Baygroup Insurance was recommended to me by a friend.  I had looked at different insurance plans myself, and it was just overwhelming!

Melissa Barnickel was extremely helpful in understanding my

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).  

David M.S., Haddon Heights, Camden County, N.J.