Baygroup Insurance

Maryland's premier Long-Term Care insurance agency


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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.

Ask The Expert Panel Discussion - Senior Topics

Event Date: 
Wed, 10/24/2018 -
1:00pm to 2:30pm

Learn more about remaining safe, comfortable, and as independent as possible.  The panel will have experts in the following areas:

Taking Control of Future Events Through Long-Term Care Planning

Event Date: 
Tue, 10/16/2018 -
10:00am to 12:00pm

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

Predictable Surprises

Benjamin Franklin famously penned, “…in this world nothing can be said to be certain, except death and taxes”. That was back in 1789. Relative to the topic of inevitability, I’d like to add one more item to death and taxes: change.

A Different Kind of Bucket List: Long Term Care Goals

Have you ever sat down and compiled a bucket list? You know, your ultimate compilation of lifelong goals to accomplish?

In addition to the typical mountain climbing and continent-visiting, painting lessons and dancing at grandchildren's weddings, the items listed below are quite worthy of being included as well. They may not be found on the typical bucket list, but I’m betting all the other items rely upon these:

  • Don’t outlive my assets

Simplifying Long Term Care Planning

When it comes to long term care planning, there are 3 major questions to answer:

1)   Who will provide your long term care?

2)   How will they be paid?

3)   Is the plan funded?

Let’s examine each question:

A Very Satisfied Customer

The excellent and sufficient time to understand the purchase of a LTCi policy was outstanding.  I was not sure and uncomfortable about this step in life and value to me and my family.  Melissa was able to clearly and to the level I needed explain, provide answers and work to find the right LTC for me. Thank you - a very satisfied customer.

P.F., Ellicott City, Howard County, MD

Generational Genius - Panel Presentation

Event Date: 
Tue, 08/14/2018 -
4:00pm to 7:00pm

Panel discussion on Estate Planning, Asset Managements, Continuing Care Retirement Community, Skilled Nursing Facility, Assisted Living, Hospice, Medication Management, LTC Insurance, Dementia and Alzheimer’s,  Geriatric Case Management, Disability and Special Needs. Time will be available to speak with the presenters and obtain resources.  

Healthcare Panel of Experts

Event Date: 
Wed, 07/18/2018 -
6:00pm to 8:00pm

Healthcare costs during retirement is the number one concern for those approaching retirement age. Join us on July 18th and let us answer your questions.  Melissa Barnickel, CPA, CLTC will be on the panel to discuss long term care planning.  Other topics include,


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