Baygroup Insurance

Maryland's premier Long-Term Care insurance agency


This tag denotes content that is for advisors.

Can't ask for a better agent!

My wife and I met with Melissa Barnickel after being advised by our financial advisor of the cost of long term care.  Melissa is a very knowledgeable, professional, and extremely customer focused individual.  All of our questions are always answered immediately and completely.  We could not ask for a better agent than Melissa.  Thank you for your quality customer service!

P.D.C, Linthicum, Anne Arundel County, MD 

Short Term Care

Short Term Care (STC) offers a facility (nursing home or assisted living) benefit and may have some hospital coverage and home health care for up to 365 days.

Very Helpful, Extremely Easy to work with, Responsive

Baygroup Insurance was very helpful in my decision making regarding long term care insurance. Melissa Barnickel and Debbie Lawrence were extremely easy to work with. They were very responsive too!

D. B., Gambrills, Anne Arundel County, Maryland

Prepare for LTC NOW - Client is in an Assisted Living or Nursing Home Now

A Medically Underwritten Immediate Annuity will be a good solution for someone in an assisted living or nursing home that is able to re-position assets to generate an income stream for the rest of his or her life.

Home Health Care

Home Health Care insurance can provide coverage for you, your spouse and loved ones to receive professional care in the comfort of your own home. 74% of people prefer home care over a facility (assisted living or nursing home).


For information and resources on topics relating to our products, please see the following links:

Important Information to Keep Current on LTC Policy

As we work with an increasing number of our clients who are using their long-term care insurance policies, we remind you that there are actions that you may need to take to make certain that the policy works effectively for you and your family if you require care:

Appreciation for Long Term Assistance for our LTCI Policies!

Melissa, Scott and I would like to thank you for your continued interest and assistance regarding our Long Term Care Insurance policies. It is hard to believe that several years have passed since you first briefed us on our options and walked us through the application process. We were fortunate to have found you and so glad that we purchased our policies. Everything we read about financial planning includes a section on the importance of obtaining Long Term Care Insurance. In addition, your advice regarding trends in pricing among competing companies was extremely accurate. We definitely made the right choice. Great Work, Melissa!

S. and J. H., Fairfax County, Fairfax, VA

Honest assessment of existing policy with federal long term care plan


I appreciated your prompt response. Rather than trying to sell me another product, you provided your honest assessment that you could not provide a less expensive policy than the one I had.  

Thank you.

Cheryl. L, Nampa, Canyon County, Idaho


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