Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

Long Term Care Insurance

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.

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.

Ease in Decision Making for LTC Insurance

Melissa provided detailed explanation of avalable plans and side-by-side comparison for ease in decision making.

M. Brockman, Baldwin, Baltimore County, Maryland (MD)

Genworth Releases 2017 Cost of Care Findings

Genworth has released its 2017 cost of care findings.

The national median hourly rate for homemaker services rings in at $21/hour. Meanwhile, the national median hourly rate for home health aide services is $22/hour. The median for adult day care is $70/day. While assisted living facilities will cost you $3,750/month. Lastly, nursing care for a private room will run a median average of $267/day, while a semi-private room is a daily rate of $235. 

More information can be found at the following link:

Amazing LTC Knowledge

Dear Melissa, Our time on the phone with you was the most valuable phone conversation we’ve ever had. It is amazing that anyone could have the knowledgeyou have on Long Term Care. We cannot thank you enough and will tell everyone we know about your expertise! Thank you so very much!                  J.E and R.E, Grasonville, Queen Anne’s County, MD 

How Will You Pay For Long Term Care?

The number of Americans who need long term care will more than double by 2050. Will you be ready?


Taking Control of Future Events Through Long-Term Care Planning

Event Date: 
Tue, 10/03/2017 -
10:00am to 12:00pm

Join us as we discuss life, health, and disability insurance, with an emphasis on long-term care insurance. Managing risk with an insurance company impacts you regardless of age. It's important to periodically evaluate your coverage to determine if it meets your needs. Change is a part of life. Learn about the basics of insurance, as well as up-to-date information on the Affordable Care Act,

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?  

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 

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