Long Term Care Insurance

Stand-alone long term care insurance policies are also known as traditional long term care insurance.   As an independent broker of Long-Term Care insurance (LTCi), we offer many different LTCi products with top-rated insurance carriers.   We can help you design a policy with the combination of features and benefit levels you need while meeting your budget.  

Baygroup Insurance is an independent insurance brokerage. We provide clients with Long-Term Care, home health care, life, disability, Medicare supplement and health insurance policies from highly-rated companies.

What is Long Term Care insurance?

In 1991 Ed Hutman first entered the Long-Term Care insurance (LTCi) industry bringing a financial background and 20 years of volunteer experience in a large skilled nursing facility in Rockville, MD.  He worked with one of the early pioneers of LTCi concepts, learning the many facets of this important element of financial and retirement planning.  In 1993, Melissa Barnickel joined the company as CFO using her insurance, acco