Long term care insurance specialist

Melissa Barnickel, CPA, CLTC

We have over forty collective years of experience as Long Term Care insurance specialists.

Did You Know?

What is a health insurance deductible?

The amount of money paid out-of-pocket before an insurance carrier begins to pay for your medical expenses. For example, with a $200 deductible, and a $450 health care bill, the insured would...

Can I qualify for long term care insurance if I have some health issues?

Perfect health is not required. If your health conditions are controlled, no current physical therapy or procedures recommended not performed you may health qualify.

How much does long term care insurance cost?

The cost varies with each person. It is based on state of residence, age, health and benefits selected. To obtain specific pricing, contact a long term care planning specialist with...

Will my premium change over the life of my policy?

Insurance companies reserve the right to increase premiums through the life of the policy, depending on the overall claim costs, investment earnings and persistency of policies remaining in force...

What if I never need long term care?

If you purchase some form of LTC insurance and never need it, you and your family will be very glad you did not need it.

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Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

Long term care insurance specialist

Melissa Barnickel, CPA, CLTC

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Long term care insurance specialist

Melissa Barnickel, CPA, CLTC