Baygroup Insurance

Maryland's premier Long-Term Care insurance agency


This tag denotes content that is for consumers.

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.

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

Appreciated Help and Time

I just want to take a few minutes to thank you for helping me get my medical insurance.  I appreciate all the help you gave me and time you dedicated for me.  You are the best.
Thanks again for all you help!

Margarete B

Aberdeen, Harford County, Maryland


Insurance Talk - Health, Medicare Supplements & Long Term Care

Event Date: 
Fri, 09/06/2019 -
10:15am to 11:15am

Doug Burgess Transition Speaker Series will have Melissa Barnickel of Baygroup Insurance educate on health insurance after group insurance is not available, including individual health insurance,

Ask the Expert - Woodlawn Senior Center

Event Date: 
Wed, 10/23/2019 -
1:15pm to 2:15pm

Maryland Senior Resource Network will be educating and answering questions.  The panelists are: 1) Deb Bakalich, Assisted Living Placement; 2)Heather Murphy, Move Coordinator; 3) Melissa Barnickel, Long Term Care Insurance; 4) Alice Young, Legal Advice and 5) Steve Converse, Real Estate.

Location: Woodlawn Senior Center, 2120 Gwyn Oak Ave, Baltimore, MD 21207

Cost:   Free

Ask the Expert Panel - Overlea-Fullerton Sr Center

Event Date: 
Mon, 09/16/2019 -
11:30am to 12:30pm

Maryland Senior Resource Network will be educating and answering questions.  The panelists are: 1) Cheryl Boone, Residential Real Estate; 2) Ann Marie Ferretti, In Home Care; 3) Melissa Barnickel, Long Term Care Insurance; 4) Karl Douglas, Senior Living Facility; 5) Heather Murphy, Move Management.

Location: Overlea-Fullerton Sr. Center, 4314 Fullerton Avenue, Baltimore, MD 21236

Cost:   Free

Long Term Care - Simplified

Event Date: 
Thu, 09/12/2019 -
10:00am to 11:15am

Learn about long term care, importance of planing and options for paying for care including long term care insurance. 

Speakers - PK Law Elder Law Attorney Cheryl Jones and Melissa Barnickel. CPA, CLTC of Baygroup Insurance LLC

Location - PK Law Learning Center

                 PK Law

                 901 Dulaney Valley Road, Suite 500

                 Towson, MD 21204

The Definitive Annual Survey on Long Term Care Insurance

It is my pleasure to report highlights from the 2019 Milliman Long Term Care Insurance Survey, which was published in the July 2019 issue of Broker World magazine. This gold standard report for agents has been published for 21 consecutive years and focuses on stand-alone long term care insurance.

Retirement Mistakes and Long Term Care

The Motley Fool recently published an article entitled “4 Retirement Mistakes You Can't Afford to Make,” with a subtitle warning: “Take steps to avoid these.“

And—as if you weren’t already motivated to read

Not Just Asset Protection: How Private Long Term Care Can Protect Against Abuse

It’s horrible in the abstract. Yet it’s even worse when it’s reported at a facility you know. The topic: elder abuse at the hands of professional caregivers.


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