Built on Expertise. Driven by Purpose.

A specialist's path

Virginia Barausky has spent 20+ years in the financial services industry, providing insurance planning and guidance to clients and financial advisors within some of the largest advisory firms in the country. That vantage point revealed a pattern: carefully built financial plans, quietly exposed to the costs of extended care, healthcare and Medicare timing.

She built her practice around closing that gap — earning the CLTC (Certified in Long-Term Care) designation for extended-care planning and the RSSA® (Registered Social Security Analyst) credential for claiming-strategy analysis, and serving as a National Sales Director at Pinnacle. Today SkyWell serves Florida families directly and partners with advisors, RIAs and fee-only planners nationwide.

How we work

Sourced, not scripted. Every figure we publish is verified against CMS.gov or SSA.gov and dated — you'll see the source next to the number, on this site and in your consultation.

Independent. We compare plans across the carriers we represent and show you the side-by-side. We do not offer every plan available in your area, and we say so plainly.

Coordinated. Medicare, Social Security and long-term care aren't three separate errands — they're one plan with three moving parts, built alongside your financial advisor when you have one.

Frequently asked questions

What is the CLTC designation?

Certified in Long-Term Care — specialist training in planning for extended care: care settings, costs, family impact and the insurance structures that fund them.

What is an RSSA®?

Registered Social Security Analyst — certified training in Social Security rules and claiming-strategy analysis, including spousal and survivor benefit coordination.

Is SkyWell independent?

Yes. We represent multiple carriers and are not owned by any of them. We do not offer every plan available in your area — and we tell you exactly which carriers we compare.

How does Virginia work with financial advisors?

As the healthcare-and-claiming specialist alongside the advisor's income and investment plan — the advisor keeps the client relationship; SkyWell handles the Medicare, Social Security timing and LTC layer.