Baygroup Insurance

Maryland's premier Long-Term Care insurance agency


Upcoming Continuing Education Classes at Harford Community College

Continuing education classes on various financial planning topics will be available  at Harford Community College. The list of classes with dates and times can be found below:

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Taking Control of Future Events Through Long-Term Care Planning

Financial Planning Classes at Harford Community College

You can never be too knowledgable or prepared when it comes to your finances. Baygroup Insurance will be teaching a series of continuing education classes on Financial Planning at Harford Community College in Bel Air, MD to help answer any questions you might have.

Public Hearing on Long Term Care Insurance - Maryland - 4/28/2016

The public is invited to attend and participate in this public hearing. If you want your voice to be heard or you want to hear what others have to say, you may want to attend.

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:

Long Term Care Insurance Consumer Seminar

Tuesday, May 6, 2014 at 7:00 p.m. to 9:00p.m. Melissa Barnickel, CPA, CLTC will educate consumers on the various options of paying for a long term care event.

On Time: Kai Jackson Speaks With Melissa Barnickel

On November 3, 2013 on the show On Time, WJZ Channel 13, CBS Baltimore, Kai Jackson speaks to Angela Propst, owner of Home with You, and Melissa Barickel, principal of Baygroup Insurance LLC, about aging in place. Melissa shared that long term care insurance pays for services that enable a person to remain in the home, such as grab bars, stair lifts, medical alert and home care.

Long Term Care Insurance Education

Melissa Barnickel will speak at the Harford County Geriatric Assistance Information Network, Friday, 11/8/2013. The meeting will be held at Bel Air United Methodist Church from 8:30 to 10 am. Learn about what long term care planning is and how the industry is evolving.