Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

long-term care insurance

Why should I buy Long Term Care Insurance?

Your medical insurance, including Medicare when eligible, will not pay for help in the home and other venues (assisted living, skilled nursing home..) for an extended period of time.

Long Term Care Insurance - Baltimore County, Maryland

My wife and I were very impressed with Melissa Barnickel when, in 2010, we decided to survey the long term care market. After asking us several questions, she sent us information to review as well as a number of proposals to consider from companies that she felt were leaders in the industry. One example of a study that she supplied stands out to us—it was the average facility costs to be a resident in the geographic areas that interested us.
The premium quotes for the coverage available, along with applicable discounts when both spouses are insured, combined with the costs of facilities provided a complete picture so that we could intelligently make a decision on our next step---the application for a policy with designated personal preferences. Melissa simplified that process for us as well by answering questions and electronically sending us everything we needed.
Her terrific follow up and patience was exemplary. We have recommended Melissa to friends and family without hesitation. - Mr. & Mrs. B.P.

Long Term Care Insurance - Forest Hill, Harford County, Maryland

Melissa Barnickel has been a great help to us.  

A few years ago, we began to contemplate purchasing long term care insurance. An estate attorney and a financial counselor confirmed the idea.  

Though experienced researchers, we found that the long term care insurance field is not easy to navigate. You can't easily learn what you want to know. Competing companies describe their products differently. The terminology proves difficult. Lacking long experience with different plans, it's hard to understand what plans best satisfy which feelings and needs. The attorney and the counselor both understood that for themselves, and both recommended Melissa Barnickel, CPA, CLTC.

When she first visited, Melissa spent an hour or two with us, mostly educating. When she left, we understood things far better. But we now had to make some decisions, and Melissa did nothing to make us feel rushed to do so. In fact, it was months later, and after some hard work for us on Melissa's part, that we finally committed to an insurance program. Largely because of Melissa's efforts, we are confident that our insurance is right for us.  Sooner or later everyone has to call on a professional with expertise, a plumber or electrician, a doctor or lawyer. Melissa provided the insurance expertise we needed and for which we are grateful.  - Dr. and Mrs. F. H

Melissa Barnickel Featured on Senior Spotlight, WCBM AM 680

Listen to audio clips from the show featuring Melissa Barnickel from Baygroup Insurance!

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