Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

Long Term Care Insurance

New Long Term Care Insurance Policies: The Specs

Have you ever wondered about what the policies look like for all the people who bought traditional, standalone long term care insurance (LTCI) in 2017— the latest year for which there are statistics available? That’s what I’m sharing with you this month, together with all the specifications on the policies.

Members and Families are Well Protected Now and for the Future

Melissa has been helping Government Employees Benefit Association members for over 10 years.  She has extensive product expertise to help find the correct policy for each person/couple.  She educates our members via large and small seminars, articles in our newsletter, on our website and also via podcasts.  She works directly with individuals/couples to continue that education and make that education specific to them.  She continues to service employees as questions arise or as their situation changes.

Psssst: How Does an Extra $100,000 - $1,000,000 sound?

One of the cruelest realities of professional long term care is not only the high cost (not covered by Medicare or other health insurance), but the fact that - when we need care - we are in no place physically or mentally to rally and easily meet the expense. Moreover, it’s likely that our family isn’t, either.

In many cases, we (or our family) end up making next-to-impossible, painful decisions.

Checking in on New Year's Resolutions (and a Bit About Gift Cards)

Here’s something that’s a bit crazy to think about— we’re a quarter of the way through 2019 already! Which makes it a great time to check in on those New Year’s resolutions we made way back when and see which we kept and which we might want to start working on again.

The Expense of It: What Long Term Care Costs

When considering the purchase of long term care insurance, it’s only natural to focus on the cost of the coverage. But let’s redirect our gaze to the cost that is truly important: the possible cost of not being insured.

Could not be happier with the service

We could not be happier with the service we received from Melissa Barnickel in choosing & purchasing our long term care insurance.  She is extremely knowledgeable, professional and organized and spent endless hours ensuring that we understood our options and she helped us find the best choice for us.  The long term care market is very complex and we never would have been able to navigate it without her expertise.  We would highly recommend her for anyone looking for long term care insurance.

K.T. and L.T., Bel Air, Harford County, Maryland

Helpful giving us many options

Melissa was helpful giving us many options for long term care.  She greatly explained all these options and brought us to the conclusion to purchase the LTC policy (life insurance with a LTC rider).

C..R., Elkridge, Howard County, Maryland

Blurring Lines: Medicare Advantage and Long Term Care

Medicare has always been very clear about the fact that it does not cover the vast majority of long term care.

Explained everything; Will refer anyone I can to Melissa

Melissa Barnickel was so helpful in helping me make my decision to purchase long term care insurance.  She spent the time explaining everything to me, made herself available for any question and concerns.  I will refer anyone I can to Melissa.  She was a pleasure to work with.

C. L., Twinsburg, Summit County, Ohio

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