Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

Home Health Care

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We have found that our clients desire to remain in the comfort of their own homes as long as possible, so the component of long term care planning involving home care becomes very important.

Home care coverage can be included in long term care insurance policies, short term care policies, linked-products (life or annuity with LTC benefits, or stand-alone polices.  There are also home care arrangements that can be made in advance to provide needed services.   


Home care only policy with indemnity (payment based on service received, not the cost) payments for skilled home care, custodial care and even some benefit prior to needing long term care, such as prescription, annual physical, vision, hearing test and hearing aids.  The payments from this insurance are not impacted if some of the cost was paid by another insurance or Medicare.  This plan is very affordable. 

There are only three questions that must be answered NO to health qualify.  

  1. Do you live in a nursing home or assisted living or are your receiving home health care services?  
  2. Are you physically unable to perform your activities of daily living?  
  3. Are you replacing existing health insurance with this plan?  

So, this would require no care needed now, but you could have a diagnosis that may have precluded you from health qualifying for another type of plan. 

Ages 45-85 are eligible for this product.

Benefits you can use now include prescription, annual physical and vision.  Affordable premiums i.e. One carrier as of 6/28/17 premiums would be: age 55 $404, age 65 $555, age 75 $797 and Age 85 $1,202.


Home care service contract - Your choice either use of home care agency or a friend or neighbor.  Learn More

  • Guaranteed acceptance
  • NO health questions
  • No claim forms
  • No deductible
  • No co-pays
  • No age limits

Your preferences, finances, age and health will determine which options are best for you. 

Options are available for all ages and health!  

Contact Melissa Barnickel 410-557-7907 to find out what meets your needs!