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

2016 Long Term Care Insurance Tax Deduction Limits

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

Life Planning Toolbox

Event Date: 
Wed, 11/11/2015 - 6:30pm to 8:30pm

Presentations on the nuts and bolts of how to hammer out your future.  A panel discussion on the tools and resources for the aging continuum of care including case studies on elder law, geriatric care management, long term care insurance, income generation and distribution strategies, private duty healthcare, home modification, real estate, move coordination, funeral planning and health & assistive technology.  Q&A for your pressing questions.

2015 IRS Tax Limits on Long Term Care Insurance

Here are the 2015 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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