Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

Baygroup Blog

Welcome to our blog! Here you will find posts and comments from our experts. You can filter the posts by the related insurance products or author.

Melissa Barnickel Speaking for LPR:

Melissa Barnickel Discusses the Age & Stage for LTCI:

Melissa Barnickel Discusses the Types of LTCI:

Melissa Barnickel Provides a LTCI Overview:


There are normal risks people encounter everyday from going about life as usual— such as the possibility of getting injured from car accidents or sports. A sudden need for long term care is no different.

Myth: I can "self-insure" for long term care should I need it down the road.

Reality: There is no thing such as "self-insurance", only "self-funded" care. 

Often the topic of long term care planning can be boiled down to three primary considerations:

1.    What do you want?

2.    Is what you want realistic?

While reading a recent article entitled, “3 Ways to Avoid Regrets in Retirement” on The Motley Fool’s

My inbox recently displayed the subject line, “The Center of Your Celebrations”. No, it wasn’t about the matriarch or patriarch at your holiday dinners. Or even the newest member of the family.

A helpful video with need-to-know information about long term care insurance from Mutual of Omaha:

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