Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

Advisors

This tag denotes content that is for advisors.

Do You Have a Long Term Care Plan?

Do you have a plan for your long-term care when you become a senior? When the time comes and it finally becomes harder for you to perform daily activities on your own, it is important to know what you want to do. Will you move in with children or other relatives? Hire a caregiver to come to your home? Move to an assisted living facility? Go it alone for as long as possible? Whatever your decision it is important to understand the full physical, financial, and emotional impact on yourself and your loved ones.

She listened to us and help sort through mounds of options!

Baygroup (Melissa Barnickel) was very responsive to our many questions and concerns as we endeavored to identify the policy that would most meet our needs. She listened to us and helped us sort through mounds of options (many carriers, plan designs for both traditional long term care insurance and life insurance with a long term care insurance rider).  She and her assistant, Debby Lawrence, "held our hands" through every step of the process, and made sure we understood what we were doing "in the now: and what would come next.

Can't ask for a better agent!

My wife and I met with Melissa Barnickel after being advised by our financial advisor of the cost of long term care.  Melissa is a very knowledgeable, professional, and extremely customer focused individual.  All of our questions are always answered immediately and completely.  We could not ask for a better agent than Melissa.  Thank you for your quality customer service!

P.D.C, Linthicum, Anne Arundel County, MD 

Short Term Care

What is Short Term Care?

Short Term Care (STC) offers a facility (nursing home or assisted living) benefit and may have some hospital coverage and home health care for up to 365 days. Short Term Care will help people for temporary stays in a nursing home, assisted living or hospital. This can be for skilled care and custodial care. Prior hospitalization is not required for short term care. A certification of expecting to need care 90 days or more is not required.

Very Helpful, Extremely Easy to work with, Responsive

Baygroup Insurance was very helpful in my decision making regarding long term care insurance. Melissa Barnickel and Debbie Lawrence were extremely easy to work with. They were very responsive too!

D. B., Gambrills, Anne Arundel County, Maryland

Prepare for LTC NOW - Client is in an Assisted Living or Nursing Home Now

A Medically Underwritten Immediate Annuity will be a good solution for someone in an assisted living or nursing home that is able to re-position assets to generate an income stream for the rest of his or her life.

Home Health Care

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.   


Appreciation for Long Term Assistance for our LTCI Policies!

Melissa, Scott and I would like to thank you for your continued interest and assistance regarding our Long Term Care Insurance policies. It is hard to believe that several years have passed since you first briefed us on our options and walked us through the application process. We were fortunate to have found you and so glad that we purchased our policies. Everything we read about financial planning includes a section on the importance of obtaining Long Term Care Insurance. In addition, your advice regarding trends in pricing among competing companies was extremely accurate. We definitely made the right choice. Great Work, Melissa!

S. and J. H., Fairfax County, Fairfax, VA

Honest assessment of existing policy with federal long term care plan

Melissa,

I appreciated your prompt response. Rather than trying to sell me another product, you provided your honest assessment that you could not provide a less expensive policy than the one I had.  

Thank you.

C. L, Nampa, Canyon County, Idaho

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