Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

Consumers

This tag denotes content that is for consumers.

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

Melissa and Debby were very helpful in picking the best Medicare Supplement and dental insurance policies for my husband and myself.  I will share my experience with my friends.

B.M., Jarrettsville, Harford County, MD

Pleasant experience!

Melissa Barnickel made the purchase of my long term care insurance a pleasant experience!  She was very kind and really took the time to explain and answer all my concerns/questions that myself and my son had.  Quickly responded when I emailed her, was always there for me.  I truly appreciate all she and her office staff did to make this process as easy as possible.

DK, Fallston, Harford County, Maryland

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

Tips from Caregivers

With so many people bearing the emotional and financial brunt of being a caregiver, we looked for the best tips to help ease the day-in-day-out stress that comes with such an important role.

Caregivers Conference - Planning for Ourselves & Our Loved Ones

Event Date: 
Wed, 11/08/2017 -
3:30pm to 7:00pm

During this year’s conference our panel of professionals will provide some tools and resources to help you and your family prepare for the future and avoid a crisis.  Ideally we will plan for our senior years and everything will be in place to allow us to age gracefully. However, the real world is rarely planned or organized. 

Honesty, not just selling

My husband and I met with Melissa to discuss a long term care policy which we have had for about 10 years. We wanted to see if "we could do better," and Melissa advised us to keep what we have as it is more complete than what we could purchase now..and for a higher price. We appreciated her honesty. She was there to help, not just sell us her product. We'll be going back when it's time for purchasing secondary insurance on

Pages

Subscribe to RSS - Consumers