Baygroup Insurance

Maryland's premier Long-Term Care insurance agency


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Our goal is to provide you with essential information about life, health, disability and long term care insurance products so you can make sound decisions regarding your insurance needs. It is our belief that an educated consumer will efficiently integrate insurance into their long range planning.  We work with individuals, employers and association groups to develop effective, low cost insurance programs utilizing simplified underwriting, discounts and tax benefits where possible. 

Baygroup Insurance provides consumers with information, options and solutions to help them achieve their financial goals. We work with financial and legal advisors to help them address the insurance needs of their clients.  We listen, we educate, we innovate.

We offer the following insurance products:

Long Term Care Insurance Long Term Care Planning is tailored to your preferences and needs. Individual, Group, Life/Long Term Care, Annuity/Long Term Care, Combination Plans
Life Insurance Term Life Insurance, Permanent Life Insurance (Whole Life, Universal Life)
Disability Insurance Individual
Health Insurance Individual,  Medigap

Caregivers Conference in Harford County, Maryland

Event Date: 
Sat, 04/09/2016 - 8:00am to 2:30pm

Lightening The Load Of Caregiving presented by G.A.I.N.
Speaker Sessions and Health Screenings

Life Planning Resources Caregivers Conference - Baltimore County, Maryland

Event Date: 
Wed, 04/06/2016 - 4:00pm to 8:00pm

Avoiding Crisis for a Loved One: What Can I Do to Prepare?

Informative and educational presentations by local professionals with decades of experience in many areas.

Life Planning Toolbox

Event Date: 
Wed, 04/20/2016 - 6:30pm to 8:30pm

Get the nuts and bolts of how to hammer out your future! Learn from a panel discussion about the tools and resources for the aging continuum of care: topics include elder law case studies, geriatric care management, long term insurance, income generation and distribution strategies, private duty healthcare, home modification, and real estate and move coordination.

2016 Long Term Care Insurance Tax Deduction Limits

Here are the 2016 Tax deductible limits for eligible long-term care insurance premiums.

Early-signs of Alzheimer's Disease are all around you

Alheimer's Disease affects a reported 36 million people worldwide.  Meryl Comer, award-winner reporter and Alzherimer's advocate has written a book " Slow Dancing With a Stranger: Lost and Found in The Age of Alzheimer's".    Listen and read and excerpt here.  It is quite powerful.  She explains the struggle for diagnosis, emotional and financial hardships involved.

Jill Rosner, Geriatric Care Manager, Rosner Healthcare Navigation, columnist of this article February 1, 2015 for Carroll County Times discusses the need to have a plan in place to cover custodial care with Melissa Barnickel, CPA, CLTC of Baygroup Insurance.  

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