Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

Long Term Care Insurance

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

Appreciative of expertise on long term care insurance

Even though we ultimately decided against purchasing insurance, we truly appreciated all of your time and expertise as we explored options. Thanks so much, Melissa!

D. S.  Hunt Valley, MD in Baltimore County.

Have a Plan in Place for Finance Care Costs Later in Life

Posted by Melissa

Jill Rosner, Geriatric Care Manager, Rosner Healthcare Navigation, columnist of this article from February 1, 2015 for Carroll County Times discusses the need to have a plan in place to cover custodial care with Melissa Barnickel, CPA, CLTC of Baygroup Insurance. Excerpts include:

Long term care insurance is an important matter

Thank you for all of your good work. We appreciate your help with such an important matter.

Scott and Jill, Fairfax VA

Early-signs of Alzheimer's Disease are all around you

Posted by Melissa

Alheimer's Disease affects a reported 36 million people worldwide.  Meryl Comer, award-winner reporter and Alzherimer's advocate has written a book " Slow Dancing With a Stranger: Lost and Found in The Age of Alzheimer's".   It is quite powerful. She explains the struggle for diagnosis, emotional and financial hardships involved.

Long Term Care Insurance Keeps Family Relationships Strong

Posted by Melissa

Throughout our lives, we enjoy spending time with our families and cherish those relationships.  Sometimes, it is not happy times.  As time goes on, we may need to ask help from family members to help with meal preparation, shopping, housework, finances and personal services, such as bathing, dressing or using the bathroom.  If you were to need care today, who would that be?  If you need care in 20 years who will that be?  Will you be able to stay at home?

Life Expectancy could be a consideration in selection benefits on a LTC policy

Posted by Melissa

You know how long you can expect to live, it may help you with many financial planning decisions.  Granted, this is not an absolute, but is yet another input to use.

Long Term Care Insurance, Carroll County, Westminster MD

My wife and I have an existing Long Term Care (LTC)  Insurance policies and have had it for over 11 years.  Our  Agent decided to resign leaving us high and dry. We contacted the Dept. of Aging and asked if they could suggest someone knowledgeable in LTC policy matters and they said they have had excellent results in dealing with Melissa Barnickel.  After talking with Melissa, we were very impressed with her experience in this area.  She agreed to act as our new Agent if we received approval from the the headquarters of our LTC company.  We did this and received approval to have her appointed as our  new Agent. She is now our  new Agent even though there was no compensation or commission received by her.  Melissa Barnickel has been most helpful in giving us a better understanding of our LTC policies.            J  and RB

                   

Two Words: Expertise and Patience

Expertise and Patience -- Both are required by an insurance agent to help consumers sift through the maze of terminology and options in the world of insurance.   Thank goodness I found Melissa Barnickel!!!   Her no-pressure approach helped me immensely in navigating through that maze to find the LTC policy that best suited my needs.   That was in 2007 and her support continues to this day with my ever present questions…some of which were often repetitive, I’m sure.    Thanks, Melissa!!! 

Harford County, Maryland Long Term Care Insurance Policyholder  M.V.

If I had a stroke can I purchase a long term care insurance policy?

We have two insurance companies that may consider you, if you only had a single episode, non-smoker for 12-36 months, no atrial fibrillation nor diabetes, no limitations.  Underwriting parameters do change, so contact a LTC Planning Specialist with Baygroup Insurance to find out if you are insurable.  We can pre-screen the risk before taking any application with an insurance company.  Have information is key to making a sound financial decision.

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