Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

Life Insurance

Very professional yet caring and friendly

Melissa and Debby are very professional yet caring and friendly as well as efficient with excellent follow-up.  They are a pleasure to work with.

J. H., Havre de Grace, Harford County, MD

Long Term Care Awareness

November is long term care awareness month. Even though long term care is often discussed in the news, it is frequently confused with healthcare.

Life Planning Resources

Event Date: 
Wed, 03/22/2017 -
6:30pm to 8:30pm

Panel of professionals to help plan ahead for a loved one in crisis or for your senior years so you can age gracefully. These professionals will provide the tools and resources necessary to help you. Bring your questions and learn about your options with the help of a pharmacist, long term care specialist, elder law attorney, geriatric care manager, move coordinator and home modification specialist.


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

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


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,


Our goal is to provide you with essential information about long term care, life, health, disability insurance products so you can make sound decisions regarding your insurance needs. It is our belief that an educated consumer will efficiently integrate insurance into their long range planning.  We work with individuals, employers and association groups to maximize tax benefits. 

Are combination long term care insurance products medically underwritten?

Yes.  As with traditional long term care insurance (LTCi) products, combination LTCi products are medically underwritten.  This means that your health status will affect your rating for these products.  You will want to apply for a combination product at an age when you are in good health!


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