Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

Medicare

The Expense of It: What Long Term Care Costs

When considering the purchase of long term care insurance, it’s only natural to focus on the cost of the coverage. But let’s redirect our gaze to the cost that is truly important: the possible cost of not being insured.

Blurring Lines: Medicare Advantage and Long Term Care

Medicare has always been very clear about the fact that it does not cover the vast majority of long term care.

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

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

Reduced complexity and stress!

Melissa Barnickel was extremely helpful in understanding my

The Realities of Long Term Care

Long term care services include help with everyday tasks such as bathing, eating, dressing, using the bathroom, etc. According to a new study by LifePlans, Inc. on behalf of America’s Health Insurance Plans, 50% of Americans will need some type of long term care during their lifetime. About 30% of those care recipients will need it for five or more years. As health insurance does not cover this type of care, it is important not to underestimate the high cost involved.

 

Taking Control of Your Future Through Long Term Care Planning

Event Date: 
Tue, 07/25/2017 -
6:30pm to 8:30pm

We have seen the dramatic effect the stock and housing markets have on your retirement plans; during a correction, it can be devastting. Are you financially and emotionally prepared to handle the high cost of long-term care combined with future market corrections?

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