Harford County, Maryland resident discusses why she wanted to get long term care insurance; how she selected her insurance broker, Melissa Barnickel, CPA, CLTC, with Baygroup Insurance and how comfortable she was with her decision to buy a long term care insurance policy after the education she received from Melissa. - Mrs. A. H.
The Social Security maze requires a skilled and patient guide. Melissa has an uncommon mastery of the details, a delightful sense of humor, and a commitment to her clients that puts her in a league of her own. She is a remarkable talent!
Having very recently watched both of my grandmothers and my father-in-law's health decline to where they all required caregiving at the end of their lives, my husband and I both realized it was time to prepare, as best we could, for our own future health care needs. Melissa Barnickel was tireless, and always helpful and cheerful, in answering our seemingly never ending questions to select a LTC program for us. We are very grateful for her vast knowledge of the business and for her incredible insights. We now feel very well prepared to face that last chapter in lives. Mrs. P. S.