Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

Advisors

This tag denotes content that is for advisors.

Melissa Barnickel, CPA, CLTC

We have over forty collective years of experience as Long Term Care insurance specialists.

Resources

We would like to provide you with as many useful resources as possible to expand your education about Long Term Care, Disability, Life, and Health insurance products.

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Did You Know?

Can my spouse and I purchase a Medigap policy together?

No. Each Medigap policy covers only one person. If you and your spouse would both like Medigap insurance, you will have to purchase two separate policies.

Does health insurance cover long term care expenses?

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What are the advantages of term life insurance?

Term life insurance will give you protection without additional investment or cash-value components. You will pay level premiums for the “term” of your policy. Your policy will be effective as...

Why choose Baygroup Insurance?

Baygroup Insurance has over 40 years of combined experience in the Long-Term Care insurance (LTCi), life,...

What role does long term care insurance play in planning for my future?

A financial plan includes future cost of health care. This is a significant expense in today's dollars and even more so when inflated for future cost of care. By having long term care insurance...

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Advisors

Melissa Barnickel, CPA, CLTC

Resources

Pages