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.

Thorough & efficient

Wonderful that Melissa filled in the long term care application for us via shared computer screen. She's very thorough and efficient.  

We liked the Friday email to update us.

It's a nerve-wracking situation, nothing can be done about that though.  Planning for long term care without knowing exactly what you will need.

P.M. and T. T., Havre de Grace, Harford County, Maryland

Very professional yet caring and friendly

Melissa and Debby are very professional yet caring and friendly as well as efficient with excellent follow-up.  They are a pleasure to work with.

J. H., Havre de Grace, Harford County, MD

Beyond finances: Supporting the Sandwich Generation

A case study with interactive discussion on estate and elder law planning, insurance and its alternatives, engaging in the health care system and proactive medical management.  Melissa Barnickel was the spoke about planning for long term care event with various funding options to members of MACPA (Maryland Association of CPAs).   The CPE course was on 1/16/18.

The Funding Options for a LTC Event

Event Date: 
Tue, 03/13/2018 - 8:00am

Melissa Barnickel will be speaking at the Baltimore Chapter of Society of Financial Professionals about the long term care marketplace and the many ways to address LTC planning based on clients preferences, health, and finances. 

Where:

PSA Learning Center

Confident I made a good decision!

Melissa was patient in explaining each step of the process and each benefit option.  I felt comfident I was making a good decision having worked through several long term care plan design options with her.  Thank you Melissa!

M. F., Monkton, Baltimore County, MD

Beyond finances: Supporting the Sandwich Generation (PFP Study Group)

Event Date: 
Tue, 01/16/2018 -
9:00am to 11:00am

A case study with interactive discussion on estate and elder law planning, insurance and its alternatives, engaging in the health care system and proactive medical management.

To register

Melissa Barnickel spoke at NAIFA Harford-Cecil 10/5/17

"The Funding Options for a LTC Event" eduated professionals in the financial services field of the many ways to pay for services when care is needed.

Amazing LTC Knowledge

Dear Melissa, Our time on the phone with you was the most valuable phone conversation we’ve ever had. It is amazing that anyone could have the knowledgeyou have on Long Term Care. We cannot thank you enough and will tell everyone we know about your expertise! Thank you so very much!                  J.E and R.E, Grasonville, Queen Anne’s County, MD 

Reduced complexity and stress!

Melissa Barnickel was extremely helpful in understanding my

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