Baygroup Insurance

Maryland's premier Long-Term Care insurance agency


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:

Upcoming Continuing Education Classes at Harford Community College

Continuing education classes on various financial planning topics will be available  at Harford Community College. The list of classes with dates and times can be found below:

open book

Taking Control of Future Events Through Long-Term Care Planning

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

By: Linda Esterson


Long Term Care Insurance Education

Melissa Barnickel will speak at the Harford County Geriatric Assistance Information Network, Friday, 11/8/2013. The meeting will be held at Bel Air United Methodist Church from 8:30 to 10 am. Learn about what long term care planning is and how the industry is evolving.

2013 Caregivers Conference in Harford County, Maryland

Event Date: 
Sat, 04/06/2013 -
8:00am to 4:30pm

Caring For Those Who Care.  This conference will provide real benefits to the senior citizens and their caregivers.  

Located at Veronica "Roni" Chenowith Acitvity Center, 1707 Fallston Road, Fallson, MD.

Call 410-879-2992 to register.  Free to the public.  Continental breakfast and a light lunch will be provided.

Prescirption Drug Take Back Event - bring in yourold an dunused medications for proper disposal from 10 am to 1 pm.

Baygroup Insurance is one of the sponsors of this event.

Medigap, Health and Long Term Care Insurance - Forest Hill, Harford County, Maryland

I have known Melissa Barnickel for ten years and early on saw the depth of her knowledge on Long Term Care Insurance. This set her apart from others who I met that handled insurance including long term care insurance. When I introduced her to my husband, he was very impressed, particularly important since he was not immediately enthusiastic about this decision. We now know that it was an excellent move for our financial well-being. Our attorney and financial advisor both know her and have the same high regard for Melissa.

Last year when we retired, we had read much about health insurance and supplemental insurance. She spent a great deal of time going through it with both of us, providing all the options for us to make the right decisions. Retiring was wonderful, however, there were so many unanswered questions and financial concerns that arose. She was of great help to us both. I would recommend her to anyone and know others who would do the same.   -  Mr. & Mrs. T. R.

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