Baygroup Insurance

Maryland's premier Long-Term Care insurance agency


Melissa Barnickel spoke at NAIFA Harford-Cecil 10/5/17

"The Funding Options for a LTC Event" eduated professionals in the financial services field of the many ways to pay for services when care is needed.

Melissa Barnickel spoke at NAHU's 2017 Annual Convention

Sunday, June 25, 2017, Melissa Barnickel participated in a panel discussion with Steve Cain and Lori C Martin, Your Client Asked about LTC Insurance... Now What?  

Model LTC Education/Planning Bill Enacted in Maryland

A LTC Education/Planning Bill has been enacted in Maryland. Melissa Barnickel has been thanked as one of the main activists behind the bill's success. Read the full article below:

Upcoming Continuing Education Classes at Harford Community College

Continuing education classes on various financial planning topics will be available  at Harford Community College. The list of classes with dates and times can be found below:

open book

Taking Control of Future Events Through Long-Term Care Planning

Financial Planning Classes at Harford Community College

You can never be too knowledgable or prepared when it comes to your finances. Baygroup Insurance will be teaching a series of continuing education classes on Financial Planning at Harford Community College in Bel Air, MD to help answer any questions you might have.

Public Hearing on Long Term Care Insurance - Maryland - 4/28/2016

The public is invited to attend and participate in this public hearing. If you want your voice to be heard or you want to hear what others have to say, you may want to attend.

Long Term Care Insurance - Yes or No?

Having a conversation with your parents and spouse about long term care in advance of a need will help to follow their wishes without second-guessing yourself. Long Term Care Insurance may be part of the funding solution.

Melissa Barnickel - Women of Influence - I95 Business Magazine - Baltimore

Melissa Barnickel was interviewed by I95 Business for Women of Influence.

Read more to learn about Melissa's personal and professional background and how she helps clients and their trusted advisors to preserve their hard-earned assets by incorporating insurance with their financial plan.  

Excerpts from "Baygroup Insurance" on

By: Linda Esterson


Have a Plan in Place for Finance Care Costs Later in Life

Jill Rosner, Geriatric Care Manager, Rosner Healthcare Navigation, columnist of this article from 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. Excerpts include: