Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

Consumers

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.

Senior Resource Fair

Event Date: 
Tue, 06/11/2019 -
8:30am to 12:00pm

Visit Melissa Barnickel, Baygroup Insurance, at the Senior Resource Fair at McFaul Activity Center, 525 West MacPhail Road, Bel Air, MD.

Planning for Long Term Care - How to Start the Conversation

Event Date: 
Thu, 08/29/2019 -
6:45pm to 8:45pm

One of the wisest things anyone can do to prepare for their financial future is learn about long term care services long before they are needed. Knowing and understanding the choices puts you in a better position to make wise decisions and avoid stress if care is needed. Consider the following: Financial aspects, cost of care, options to address LTC.

Instructor - Melissa Barnickel

Harford Community College

401 Thomas Run Road, Bel Air Hall, Room 240, Bel Air, MD 21015

Course Number 35267

Planning for Long Term Care - How to Start the Conversation

Event Date: 
Tue, 06/18/2019 -
9:30am to 11:30am

One of the wisest things anyone can do to prepare for their financial future is learn about long term care services long before they are needed. Knowing and understanding the choices puts you in a better position to make wise decisions and avoid stress if care is needed. Consider the following: Financial aspects, cost of care, options to address LTC.

Instructor - Melissa Barnickel

Harford Community College

401 Thomas Run Road, Bel Air Hall, Room 243, Bel Air, MD 21015

Course Number 35266

Senior University

Event Date: 
Thu, 05/30/2019 -
5:30am to 8:30pm

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

Wage Inflation and Long Term Care Planning

Today’s long term care insurance buyers have enjoyed a sustained multi-year period of low inflation. I say "enjoyed" because today’s buyers are normally pre-retirement, and therefore value low mortgage and interest rates more than their retired counterparts.

New Long Term Care Insurance Policies: The Specs

Have you ever wondered about what the policies look like for all the people who bought traditional, standalone long term care insurance (LTCI) in 2017— the latest year for which there are statistics available? That’s what I’m sharing with you this month, together with all the specifications on the policies.

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.

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