Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

Consumers

This tag denotes content that is for consumers.

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)

Genworth Releases 2017 Cost of Care Findings

Genworth has released its 2017 cost of care findings.

The national median hourly rate for homemaker services rings in at $21/hour. Meanwhile, the national median hourly rate for home health aide services is $22/hour. The median for adult day care is $70/day. While assisted living facilities will cost you $3,750/month. Lastly, nursing care for a private room will run a median average of $267/day, while a semi-private room is a daily rate of $235. 

More information can be found at the following link:

Amazing LTC Knowledge

Dear Melissa, Our time on the phone with you was the most valuable phone conversation we’ve ever had. It is amazing that anyone could have the knowledgeyou have on Long Term Care. We cannot thank you enough and will tell everyone we know about your expertise! Thank you so very much!                  Jack E and R.E, Grasonville, Queen Anne’s County, MD 

How Will You Pay For Long Term Care?

The number of Americans who need long term care will more than double by 2050. Will you be ready?


Reduced complexity and stress!

Melissa Barnickel was extremely helpful in understanding my

Clarity of plans and options

Melissa does an excellent job at walking you through the various plans and options and brings much needed clarity to a somewhat confusing subject, Medicare Supplement Insurance (Medigap).  

David M.S., Haddon Heights, Camden County, N.J.

She listened to us and help sort through mounds of options!

Baygroup (Melissa Barnickel) was very responsive to our many questions and concerns as we endeavored to identify the policy that would most meet our needs. She listened to us and helped us sort through mounds of options (many carriers, plan designs for both traditional long term care insurance and life insurance with a long term care insurance rider).  She and her assistant, Debby Lawrence, "held our hands" through every step of the process, and made sure we understood what we were doing "in the now: and what would come next.

Can't ask for a better agent!

My wife and I met with Melissa Barnickel after being advised by our financial advisor of the cost of long term care.  Melissa is a very knowledgeable, professional, and extremely customer focused individual.  All of our questions are always answered immediately and completely.  We could not ask for a better agent than Melissa.  Thank you for your quality customer service!

P.D.C, Linthicum, Anne Arundel County, MD 

Short Term Care

Short Term Care (STC) offers a facility (nursing home or assisted living) benefit and may have some hospital coverage and home health care for up to 365 days.

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