Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

Consumers

This tag denotes content that is for consumers.

Is Long Term Care Insurance Nursing Home Avoidance Insurance?

If you have a loved one in a nursing home, it’s likely that you are in the unfortunate scenario that you are unable to visit them due to the pandemic.

Extremely easy to apply for life insurance

Melissa made applying for life insurance policy extremely easy and painless.  She is thorough, knowledgeable and always available.   I thank you Melissa for assisting me in meeting my insurance needs.

Mohammed A., Ruxton, Baltimiore County, Maryland

Experience was awesome!

My experience was awesome.  Melissa took the time to explain everthing until my wife and I completely understood.  She is very thorough and professional. Thank you.

Robert R, Manchester, Carroll County, MD

Age & Stage for LTCI

Melissa Barnickel Discusses the Age & Stage for LTCI:

Types of LTCI

Melissa Barnickel Discusses the Types of LTCI:

LTCI Overview

Melissa Barnickel Provides a LTCI Overview:


The Pandemic & Long Term Care Planning

There are normal risks people encounter everyday from going about life as usual— such as the possibility of getting injured from car accidents or sports. A sudden need for long term care is no different.

Debunking the Myth Around "Self-Insuring" For Long Term Care

Myth: I can "self-insure" for long term care should I need it down the road.

Reality: There is no thing such as "self-insurance", only "self-funded" care. 

The worry of being a burden on my loved ones is gone!

As I approached age 60, I decided to "get my ducks in a row" in terms of later-in-life plans, especially Long Term Care.  Melissa Barnickel came to my home and I felt an immediate connection!  She walked me through the many LTC plans available and helped me choose the plan which best suited my needs.  Melissa is honest, reliable, and responsive.  She is dedicated to making sure that clients get just what they want and need.  My greatest worry was being a financial burden on my loved ones. That worry is gone.

Elizabeth M., Bel Air, Harford County, Maryland

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