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Maryland's premier Long-Term Care insurance agency

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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.

Holidays and long term care planning go hand-in-hand. 

Genworth has released its 2017 cost of care findings.

The national median hourly rate for homemaker services rings in at $21/hour. Meanwhile, the national median hourly rate for home health aide services is $22/hour. The median for adult day care is $70/day. While assisted living facilities will cost you $3,750/month. Lastly, nursing care for a private room will run a median average of $267/day, while a semi-private room is a daily rate of $235. 

More information can be found at the following link:

Alzheimer’s disease is a type of dementia that is characterized by problems with memory, behavior, and thinking. Symptoms usually appear slowly and worsen with time, eventually interfering with everyday tasks. Alzheimer’s makes up 60-80% of dementia cases, but it is important to remember that not all dementia falls under the diagnosis of Alzheimer’s. While mild memory loss can be a normal part of aging, Alzheimer’s is characterized by growing severe enough to interfere with daily tasks. The disease can be broken down into seven specific stages outlined below to help provide an idea of what to expect if you or a loved one is diagnosed:

The number of Americans who need long term care will more than double by 2050. Will you be ready?

With so many people bearing the emotional and financial brunt of being a caregiver, we looked for the best tips to help ease the day-in-day-out stress that comes with such an important role.

Long term care services include help with everyday tasks such as bathing, eating, dressing, using the bathroom, etc. According to a new study by LifePlans, Inc. on behalf of America’s Health Insurance Plans, 50% of Americans will need some type of long term care during their lifetime. About 30% of those care recipients will need it for five or more years. As health insurance does not cover this type of care, it is important not to underestimate the high cost involved.


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.

CLAIMS  Plan Ahead and Let Your Family Know about your Policy

Although this is geared to federal employees who are evalating what to do about Federal Long Term Care rate increase, the process of evaluating what to do are the same for those with other policies.