Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

Health Insurance

Researched, found best and most cost effective plans!

I recently retired and so my husband and I needed all new medical, prescription and dental insurance.  Melissa Barnickel at Baygroup Insurance was recommended to me by a friend.  I had looked at different insurance plans myself, and it was just overwhelming!

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.   


Links

For information and resources on topics relating to our products, please see the following links:

·      A Place for Mom

·      Aging with Dignity 

·      Alzheimer's Association 

How to Deal with Tax Changes to Itemized Medical Expenses

The new year is set to bring in an unwelcome surprise for many seniors in America when it comes to their taxes. Those 65 and older who itemize their medical expenses will now only be able to claim a deduction once their cost reaches 10% of their Adjusted Gross Income (AGI)- up from 7.5% in previous years. This change technically went into effect on December 31, 2012, but if a senior or their spouse reached the age of 65 between then and December 31, 2016, the 7.5% rate was then locked-in for that time period due to a large opposition from seniors carrying the highest burden of medical bills. However, this all changes on January 1, 2017 when the 10% cut-off for medical expenses becomes the rule, not the exception, for everyone.

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 i95business.com

By: Linda Esterson

Background

Medicare Costs in 2016

You may have heard that Medicare premiums were due for a drastic increase in 2016. However, thanks to the Bipartisan Budget Act of 2015 that was signed into effect on November 2, 2015, those costs are not going to be as high as originally thought for Medicare Part A and Part B participants.

Listens to understand needs and quickly responds

If you need assistance and advice with insurance, I highly recommend Baygroup Insurance. Melissa Barnickel has never failed to respond quickly to my questions or pleas for help. The world of insurance can be a scary place. It is a comfort to have someone in your corner who understands your needs. Thanks, Melissa.

K.F. Abingdon, MD in Harford County, Maryland

Long Term Care Insurance Seminar - Harford Community College 06/11/2015

Event Date: 
Thu, 06/11/2015 -
6:30pm to 8:30pm

Join us as we discuss Life, Health, and Disability Insurance, along with Long-Term Care Insurance. Managing risk with an insurance company impacts you regardless of age. It's important to evaluate your coverage periodically to determine if it meets your needs. Change is a part of life. Learn about the basics of insurance, as well as information on the Affordable Care Act,

Long Term Care Insurance PLUS - 04/25/2015 in Harford County, MD

Event Date: 
Sat, 04/25/2015 -
10:00am to 12:00pm

Join us as we discuss Life, Health, and Disability Insurance, along with Long-Term Care Insurance. Managing risk with an insurance company impacts you regardless of age. It's important to evaluate your coverage periodically to determine if it meets your needs. Change is a part of life. Learn about the basics of insurance, as well as information on the Affordable Care Act,

Long Term Care Insurance PLUS - 03/12/2015 in Harford County, MD

Event Date: 
Thu, 03/12/2015 -
6:30pm to 8:30pm

Join us as we discuss Life, Health, and Disability Insurance, along with Long-Term Care Insurance. Managing risk with an insurance company impacts you regardless of age. It's important to evaluate your coverage periodically to determine if it meets your needs. Change is a part of life. Learn about the basics of insurance, as well as information on the Affordable Care Act,

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