Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

Consumers

This tag denotes content that is for consumers.

Halloween and the Genworth Financial Cost of Care Survey

 

For 16 years, Genworth Financial has been producing what is considered the gold standard report on the cost of long term care. Other surveys have come and gone, but this one has remained the same. 

The Dementia Disaster

Ken Burns’ 2016 documentary on cancer titled, Cancer: The Emperor of All Maladies, speaks to the fear that a cancer diagnosis strikes in the hearts of all. And this begs the question, if cancer is the emperor, what can then be said about other debilitating conditions such as dementia?

Options provided and carefully explained

Melissa Barnickel of Baygroup provided several options and carefully explained the differences.

Lorraine A. 

Beltsville, Prince George's County, Maryland

Appreciated Help and Time

Melissa,
I just want to take a few minutes to thank you for helping me get my medical insurance.  I appreciate all the help you gave me and time you dedicated for me.  You are the best.
Thanks again for all you help!

Margarete B

Aberdeen, Harford County, Maryland


 

The Definitive Annual Survey on Long Term Care Insurance

It is my pleasure to report highlights from the 2019 Milliman Long Term Care Insurance Survey, which was published in the July 2019 issue of Broker World magazine. This gold standard report for agents has been published for 21 consecutive years and focuses on stand-alone long term care insurance.

Retirement Mistakes and Long Term Care

The Motley Fool recently published an article entitled “4 Retirement Mistakes You Can't Afford to Make,” with a subtitle warning: “Take steps to avoid these.“

And—as if you weren’t already motivated to read

Not Just Asset Protection: How Private Long Term Care Can Protect Against Abuse

It’s horrible in the abstract. Yet it’s even worse when it’s reported at a facility you know. The topic: elder abuse at the hands of professional caregivers.

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.

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