Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

Long Term Care Insurance

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

Allies in Aging

While reading a recent article entitled, “3 Ways to Avoid Regrets in Retirement” on The Motley Fool’s

Sensible Decision

Melissa enabled me to make a sensible decision concerning my future health.  I did not want my children to face my advancing years without support.  Melissa made it easy for me to find the comfortable plan for my LTCi!!

Joyce L, Baltimore, Maryland

Centered and Resolute

My inbox recently displayed the subject line, “The Center of Your Celebrations”. No, it wasn’t about the matriarch or patriarch at your holiday dinners. Or even the newest member of the family.

Pages

Subscribe to RSS - Long Term Care Insurance