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.

The Expense of It: What Long Term Care Costs

When considering the purchase of long term care insurance, it’s only natural to focus on the cost of the coverage. But let’s redirect our gaze to the cost that is truly important: the possible cost of not being insured.

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

Taking Control of Future Eents through Long Term Care Planning

Event Date: 
Thu, 04/11/2019 -
6:30pm to 8:30pm

We have seen the dramatic effect the stock and housing markets have on your retirement plans; during a correction, it can be devastting. Are you financially and emotionally prepared to handle the high cost of long-term care combined with future market corrections?

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

Blurring Lines: Medicare Advantage and Long Term Care

Medicare has always been very clear about the fact that it does not cover the vast majority of long term care.

Explained everything; Will refer anyone I can to Melissa

Melissa Barnickel was so helpful in helping me make my decision to purchase long term care insurance.  She spent the time explaining everything to me, made herself available for any question and concerns.  I will refer anyone I can to Melissa.  She was a pleasure to work with.

C. L., Twinsburg, Summit County, Ohio

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

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