Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

Consumers

This tag denotes content that is for consumers.

Disability Insurance

What is Disability Insurance?

Disability insurance is protection for you and your family.  Owning a disability insurance policy will help provide you and your family with a source of income should illness or injury prevent you from working for a period of time.

Baygroup Insurance

Baygroup Insurance is an independent insurance brokerage. We provide clients with Long-Term Care, home health care, life, disability, Medicare supplement and health insurance policies from highly-rated companies.

Melissa Barnickel Featured on Senior Spotlight, WCBM AM 680

Listen to audio clips from the show featuring Melissa Barnickel from Baygroup Insurance!

Long Term Care Insurance

What is Long Term Care insurance?

A New Company with a Long History

In 1991 Ed Hutman first entered the Long-Term Care insurance (LTCi) industry bringing a financial background and 20 years of volunteer experience in a large skilled nursing facility in Rockville, MD.  He worked with one of the early pioneers of LTCi concepts, learning the many facets of this important element of financial and retirement planning.  In 1993, Melissa Barnickel joined the company as CFO using her insurance, acco

Melissa Barnickel, CPA, CLTC

We have over forty collective years of experience as Long Term Care insurance specialists.

Resources

We would like to provide you with as many useful resources as possible to expand your education about Long Term Care, Disability, Life, and Health insurance products.

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