Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

Consumers

This tag denotes content that is for consumers.

Appreciate guidance and advice

Dear Melissa,

Well here it is, the long overdue thank you note! 

It was such a pleasure to meet you, especially at the beautiful location of your lovely home. My husband and I appreicate your guidance and advice as we go into this complicated next stage of our life.

Again, I want to congratulate you on the birth of your newest grand baby!

Sincerely,

C. M., Darlington, Harford County, Maryland

Very comprehensive explanations

Very comprehensive explanations of "insurance" and translation into real English.  Melissa is very patient. This has been a  long process and she and her staff, Debby,  have been very diligent.

Baltimore County, Maryland

Helped me decide what I wanted and needed

LTC is so important and Melissa and Debby helped me decide what I needed to take care of me when I need it most. LTC will allow my children to have the funds necessary to care for me so I am not a financial burden for them. 

J.C, Bel Air, Harford County, Maryland

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

Home Alone?

When you imagine needing long term care, what do you imagine? Is the location a larger building, perhaps an assisted living facility, where responsibilities such as yard care and cooking are someone else’s concern? Or are you in your own home, tended to by paid caregivers, with visits from family and friends?

Best deal for our situation!

Baygroup found the best deal for our situation and patiently explained our options an danswered our questions. They made the process as painless as possible.

C.K and S.K, Augusta, Augusta-Richmond County, GA

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