Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

Consumers

This tag denotes content that is for consumers.

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

Things to Think About Now

Often the topic of long term care planning can be boiled down to three primary considerations:

1.    What do you want?

2.    Is what you want realistic?

Patient in Explaining

Melissa was very patient in explaining long term care insurance to me; she took her time; answered my questions; never seemed to be bothered if I asked a question more than 1 time.

Harvey S.

Pikesville, Baltimore County, Maryland

Excellent insight - Evaluation Needs and Plan Design

Baygroup provided excellent insight int what our insurance needs are and options to meet those needs.

Kelly A., Loudoun County, Ashburn VA, Washington, DC area

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