Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

Medicare Supplement (Medigap)

Reduced complexity and stress!

Melissa Barnickel was extremely helpful in understanding my

Clarity of plans and options

Melissa does an excellent job at walking you through the various plans and options and brings much needed clarity to a somewhat confusing subject, Medicare Supplement Insurance (Medigap).  

D.M.S., Haddon Heights, Camden County, N.J.

Taking Control of Your Future Through Long Term Care Planning

Event Date: 
Tue, 07/25/2017 -
6:30pm to 8:30pm

We have seen the dramatic effect the stock and housing markets have on your retirement plans; during a correction, it can be devastting. Are you financially and emotionally prepared to handle the high cost of long-term care combined with future market corrections?

Taking Control of Your Future Through Long Term Care Planning

Event Date: 
Thu, 05/11/2017 -
6:30pm to 8:30pm

We have seen the dramatic effect the stock and housing markets have on your retirement plans; during a correction, it can be devastting. Are you financially and emotionally prepared to handle the high cost of long-term care combined with future market corrections?

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.

Links

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 

How to Deal with Tax Changes to Itemized Medical Expenses

The new year is set to bring in an unwelcome surprise for many seniors in America when it comes to their taxes. Those 65 and older who itemize their medical expenses will now only be able to claim a deduction once their cost reaches 10% of their Adjusted Gross Income (AGI)- up from 7.5% in previous years. This change technically went into effect on December 31, 2012, but if a senior or their spouse reached the age of 65 between then and December 31, 2016, the 7.5% rate was then locked-in for that time period due to a large opposition from seniors carrying the highest burden of medical bills. However, this all changes on January 1, 2017 when the 10% cut-off for medical expenses becomes the rule, not the exception, for everyone.

Uncommon mastery of details and commitment

The Social Security maze requires a skilled and patient guide. Melissa has an uncommon mastery of the details, a delightful sense of humor, and a commitment to her clients that puts her in a league of her own. She is a remarkable talent!

C. L. , Baltimore City, Maryland

Home Care for Seniors

According to a 2014 study completed by the American Association of Retired People (AARP), 80% of respondents wanted to age in their homes instead of moving to an assisted living or continued care facility. Considering there will be an estimated 73 million seniors ages 65 and older in America by 2030, this represents a very large number of the national population. Luckily, now more than ever, senior care trends are moving towards supporting the elderly in this endeavor. 

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