Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

Health Insurance

Ask The Expert Panel Discussion - Senior Topics

Event Date: 
Wed, 10/24/2018 -
1:00pm to 2:30pm

Learn more about remaining safe, comfortable, and as independent as possible.  The panel will have experts in the following areas:

Answers To The Most Important Questions About Alzheimer’s

Written By: Anna Kucirkova

Edited By: Cori Hundt

The effects of Alzheimer’s disease and dementia are an ever growing concern for the aging, caregivers, and those in the medical profession. The disease causes pain and agony for the sufferer and can be equally as distressing for those who see their loved one lose their memory and ability to function.

Could not have done it without you!

Our financial planner referred us to you to evaluate insurance now that I am retiring.  Choice between COBRA or individual health insurance for my health insurance, dental and vision for both of us.  My wife is already on

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.

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!

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.

Home Health Care

Home Health Care insurance can provide coverage for you, your spouse and loved ones to receive professional care in the comfort of your own home. 74% of people prefer home care over a facility (assisted living or nursing home).

Links

For information and resources on topics relating to our products, please see the following links:

How to Deal with Tax Changes to Itemized Medical Expenses

The new year is set to bring in an unwelcome surprise for many seniors in America when it comes to their taxes. Those 65 and older who itemize their medical expenses will now only be able to claim a deduction once their cost reaches 10% of their Adjusted Gross Income (AGI)- up from 7.5% in previous years. This change technically went into effect on December 31, 2012, but if a senior or their spouse reached the age of 65 between then and December 31, 2016, the 7.5% rate was then locked-in for that time period due to a large opposition from seniors carrying the highest burden of medical bills. However, this all changes on January 1, 2017 when the 10% cut-off for medical expenses becomes the rule, not the exception, for everyone.

Melissa Barnickel - Women of Influence - I95 Business Magazine - Baltimore

Melissa Barnickel was interviewed by I95 Business for Women of Influence.

Read more to learn about Melissa's personal and professional background and how she helps clients and their trusted advisors to preserve their hard-earned assets by incorporating insurance with their financial plan.  

Excerpts from "Baygroup Insurance" on i95business.com

By: Linda Esterson

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