Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

Consumers

This tag denotes content that is for consumers.

Very professional yet caring and friendly

Melissa and Debby are very professional yet caring and friendly as well as efficient with excellent follow-up.  They are a pleasure to work with.

J. H., Havre de Grace, Harford County, MD

Long Term Care Planning Podcast

Melissa Barnickel was recently interviewed on, "The Independent Living Podcast", where she provides helpful advice regarding your long term care needs. It is free on iTunes and can be downloaded at the following link: The Independent Living Podcast- Long Term Care Planning

Confident I made a good decision!

Melissa was patient in explaining each step of the process and each benefit option.  I felt comfident I was making a good decision having worked through several long term care plan design options with her.  Thank you Melissa!

M. F., Monkton, Baltimore County, MD

Long Term Care Planning: Dramatic Differences Between Short Term Planning vs. Long Term Planning

It’s sad but true: by the time most people realize they wish they had a long term care insurance policy, they are too sick or old to buy one.

So, in an effort to mitigate the crushing financial toll long term care will have with no planning, many of them end up doing short-term planning– let’s call it crisis planning. Crisis planning isn’t about optimal strategies. It’s all about limiting the financial destruction and trying to make up for the fact that no real plan for how to pay for care is in place.

Getting long term care planning done well in advance of when you actually need it stacks the deck in your favor. That’s why people in their 40’s-60’s are benefiting themselves by visiting the topic of long term care planning decades in advance of their 80’s, when they are most likely to have a claim.

Attention Long Term Care Shoppers: Costs and Other Realities

Modern consumers have greatly benefited from the ability to comparison shop and order from virtually any purveyor. This reality has even started to infiltrate the healthcare market.

However, long term care decisions for yourself or a loved one tend to be more difficult and cannot necessarily be made at the touch of a button through technology like Siri and Alexa. Whether the search is for a home health care worker, or, a facility such as an assisted living facility or nursing home, the choice is often a complex and nuanced one.

Unbelievably Helpful

My husband and I found ourselves in early November without health insurance for 2018. We contacted Melissa and within a couple of days she set up a phone interview and spoke with us almost two hours answering our questions and explaining our options. She then followed up a week later and helped to sign us up for health benefits. She was extremely knowledgable and if she did not know the answer she researched it and got back to us.

Long Term Care Awareness

November is long term care awareness month. Even though long term care is often discussed in the news, it is frequently confused with healthcare.

Researched, found best and most cost effective plans!

I recently retired and so my husband and I needed all new medical, prescription and dental insurance.  Melissa Barnickel at Baygroup Insurance was recommended to me by a friend.  I had looked at different insurance plans myself, and it was just overwhelming!

Ease in Decision Making for LTC Insurance

Melissa provided detailed explanation of available plans and side-by-side comparison for ease in decision making.

M. B., Baldwin, Baltimore County, Maryland (MD)

Pages

Subscribe to RSS - Consumers