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.

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.

Could not be happier with the service

We could not be happier with the service we received from Melissa Barnickel in choosing & purchasing our long term care insurance.  She is extremely knowledgeable, professional and organized and spent endless hours ensuring that we understood our options and she helped us find the best choice for us.  The long term care market is very complex and we never would have been able to navigate it without her expertise.  We would highly recommend her for anyone looking for long term care insurance.

K.T. and L.T., Bel Air, Harford County, Maryland

Helpful giving us many options

Melissa was helpful giving us many options for long term care.  She greatly explained all these options and brought us to the conclusion to purchase the LTC policy (life insurance with a LTC rider).

C..R., Elkridge, Howard County, Maryland

Very Knowledgeable

Melissa was very knowledgeable and informative. She was highly recommended by other members of MSRN.

S.T., Jarrettsville, Harford County, Maryland

Appreciate guidance and advice

Dear Melissa,

Well here it is, the long overdue thank you note! 

It was such a pleasure to meet you, especially at the beautiful location of your lovely home. My husband and I appreicate your guidance and advice as we go into this complicated next stage of our life.

Again, I want to congratulate you on the birth of your newest grand baby!

Sincerely,

C. M., Darlington, Harford County, Maryland

Very comprehensive explanations

Very comprehensive explanations of "insurance" and translation into real English.  Melissa is very patient. This has been a  long process and she and her staff, Debby,  have been very diligent.

Baltimore County, Maryland

Helped me decide what I wanted and needed

LTC is so important and Melissa and Debby helped me decide what I needed to take care of me when I need it most. LTC will allow my children to have the funds necessary to care for me so I am not a financial burden for them. 

J.C, Bel Air, Harford County, Maryland

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