Baygroup Insurance

Maryland's premier Long-Term Care insurance agency


Interview in Best-Selling Book

Melissa Barnickel was interviewed for the best-selling book, "Aging in Place: Insights and Advice on Maintaining an Independent Lifestyle".

Long Term Care Planning Podcast

Melissa Barnickel was recently interviewed on, "The Independent Living Podcast", where she provides helpful advice regarding your long term care needs. It is free on iTunes and can be downloaded at the following link: The Independent Living Podcast- Long Term Care Planning

Model LTC Education/Planning Bill Enacted in Maryland -

A LTC Education/Planning Bill has been enacted in Maryland. Melissa Barnickel has been thanked as one of the main activists behind the bill's success. Read the full article below:

Long Term Care Insurance - Yes or No?

Having a conversation with your parents and spouse about long term care in advance of a need will help to follow their wishes without second-guessing yourself. Long Term Care Insurance may be part of the funding solution.

Melissa Barnickel - Women of Influence - I95 Business Magazine - Baltimore

Melissa Barnickel was interviewed by I95 Business for Women of Influence.

Read more to learn about Melissa's personal and professional background and how she helps clients and their trusted advisors to preserve their hard-earned assets by incorporating insurance with their financial plan.  

Excerpts from "Baygroup Insurance" on

By: Linda Esterson


Have a Plan in Place for Finance Care Costs Later in Life

Jill Rosner, Geriatric Care Manager, Rosner Healthcare Navigation, columnist of this article from February 1, 2015 for Carroll County Times discusses the need to have a plan in place to cover custodial care with Melissa Barnickel, CPA, CLTC of Baygroup Insurance. Excerpts include:

The Choices and Challenges of Paying for Care

Tuesday, July 9, 2013 at 7:00 p.m. to 7:30 p.m. Melissa Barnickel, CPA, CLTC will educate consumers on the various options of paying for a long term care. Discussion will include: private pay, traditional long term care insurance,