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.

Knowledgable and Helpful

Melissa was so knowledgable and helpful!  She provided options based on our needs and let us ask lots of questions about life insurance with long term care rider. We feel better educated and confident in our product selection.  Thank you!

Tom E., Frederick, Maryland

Extremely easy to apply for life insurance

Melissa made applying for life insurance policy extremely easy and painless.  She is thorough, knowledgeable and always available.   I thank you Melissa for assisting me in meeting my insurance needs.

Mohammed A., Ruxton, Baltimiore County, Maryland

Experience was awesome!

My experience was awesome.  Melissa took the time to explain everthing until my wife and I completely understood.  She is very thorough and professional. Thank you.

Robert R, Manchester, Carroll County, MD

Patient in Explaining

Melissa was very patient in explaining long term care insurance to me; she took her time; answered my questions; never seemed to be bothered if I asked a question more than 1 time.

Harvey S.

Pikesville, Baltimore County, Maryland

Excellent insight - Evaluation Needs and Plan Design

Baygroup provided excellent insight int what our insurance needs are and options to meet those needs.

Kelly A., Loudoun County, Ashburn VA, Washington, DC area

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

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

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