Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

Advisors

This tag denotes content that is for advisors.

Do You Have a Long Term Care Plan?

Do you have a plan for your long-term care when you become a senior? When the time comes and it finally becomes harder for you to perform daily activities on your own, it is important to know what you want to do. Will you move in with children or other relatives? Hire a caregiver to come to your home? Move to an assisted living facility? Go it alone for as long as possible? Whatever your decision it is important to understand the full physical, financial, and emotional impact on yourself and your loved ones.

Wonderful guidance on Medigap and Rx

Thanks, again, for your wonderful guidance on Rx and Medigap. I really enjoyed our session yesterday and appreciate knowing I have a Medicare expert on my team.  I messaged Kim, with my financial planning firm, this morning and told her you are number one and to send all MC clients to you!!!

Sensible Decision

Melissa enabled me to make a sensible decision concerning my future health.  I did not want my children to face my advancing years without support.  Melissa made it easy for me to find the comfortable plan for my LTCi!!

Joyce L, Baltimore, Maryland

Investigating hybrid whole life/long term care policies

It was very useful to have Melissa’s input on options I am considering for insurance.  Her familiarity with what various insurers are offering is great. Especially helpful when dealing with considerations that may be out of the ordinary – like what kind of restrictions would apply for use of policy benefits outside of the US.  Melissa has done her homework and has a lot of that information right at her fingertips.

Robin K, Baltimore, Baltimore City, Maryland

Long Term Care Planning

Event Date: 
Tue, 10/29/2019 -
8:30am to 4:45pm

34th Annual Personal Financial Planning Conference of MACPA will include a session on Long Term Care Planning.  Financial professionals and consultants, tasked with advising clients in retirement planning issues are welcome.  Melissa Barnickel, Baygroup Insurance, will provide an update on the marketplace and the new, more diverse, and economically viable long term care financial solutions available.  LTC planning is still critical to the overall success of any financial plan, it may not be funded by insurance, but a plan is necessary.

Options provided and carefully explained

Melissa Barnickel of Baygroup provided several options and carefully explained the differences.

Lorraine A. 

Beltsville, Prince George's County, Maryland

Long Term Care - Simplified

Event Date: 
Thu, 09/12/2019 -
10:00am to 11:15am

Learn about long term care, importance of planing and options for paying for care including long term care insurance. 

Speakers - PK Law Elder Law Attorney Cheryl Jones and Melissa Barnickel. CPA, CLTC of Baygroup Insurance LLC

Location - PK Law Learning Center

                 PK Law

                 901 Dulaney Valley Road, Suite 500

                 Towson, MD 21204

Your Guide to Understanding MACRA

GPM Life writes, “MACRA stands for the Medicare Access and CHIP Reauthorization Act of 2015. The rule states that as of Jan. 1, 2020, newly-eligible

Members and Families are Well Protected Now and for the Future

Melissa has been helping Government Employees Benefit Association members for over 10 years.  She has extensive product expertise to help find the correct policy for each person/couple.  She educates our members via large and small seminars, articles in our newsletter, on our website and also via podcasts.  She works directly with individuals/couples to continue that education and make that education specific to them.  She continues to service employees as questions arise or as their situation changes.

Psssst: How Does an Extra $100,000 - $1,000,000 sound?

One of the cruelest realities of professional long term care is not only the high cost (not covered by Medicare or other health insurance), but the fact that - when we need care - we are in no place physically or mentally to rally and easily meet the expense. Moreover, it’s likely that our family isn’t, either.

In many cases, we (or our family) end up making next-to-impossible, painful decisions.

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