Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

Long term care insurance testimonial

Hit the Jackpot!

It was challenging finding a professional who could help us find and secure long term care insurance and we hit the jackpot when we found Melissa. Her knowldege and expertise as well as her guidance and patence can't be beat. She kept in constant communication and kept us informed throught he whole process as well.

Debbie and Steve H

Baltimore, Baltimore County, Maryland

Extremely helpful in decision making

Melissa did all the work! She was extremely helpful in decision making.  I would recommend her to anyone interested in insurance.

Donna W., Havre de Grace, Harford County, Maryland

Made Sure I Understood LTC

Melissa was great. She spent a great deal of time explaining the price and making sure that I understood it.

Nancy E, Arnold, Anne Arundel County, Maryland

Helpful in selecting and explaining complicated information

Baygroup Insurance was very helpful in guiding us through the process in selecting and explaining the complicated information of long term care insurance.

Dave W., Nottingham, Baltimore County, Maryland


Baygroup was helpful in our decision making for long term care insurance because Melissa Barnickel was open-minded and comfortable working with a gay couple.  She was a good communicator - always responding to questions on email.  She kept after us while this process stalled for a while over the summer. She offered us alternatives for levels of pay from $2,000 to $7,000 monthly benefits and offered more than one insurance company.

Janice L, Fairfax County, VA

Knowledge and Expertise were Invaluable

Melissa's knowledge and expertise were invaluable in guiding us through the process of selecting and obtaining long term care insurance.

Made Complicated set of Options Very Understandable

Melissa was extremely knowlegeable, patient and friendly.  She mad a complicated set of options very understandable & helped us make an informed choice.

Louise P, Washington, D.C.

Assistance with Complicated Decisions

I can't imagine making these complicated decisions, wihtout the assistance of Melissa's wisdom and experience, I would have been lost!

Jan W

Alexandria, VA, Fairfax County

Explanation of options was most helpful

Melissa took time to explain my options. Answered all my questions at the time of application process.  When completing process she offered her services in the future for any questions. Would recommend her services.

Sharon F, Jarrettsville, Harford County, MD

Very Helpful Explaining Policy

Baygroup was very helpful. They were thorough in explaining the policy and were available to answer quedstions regarding the policy.

Bernadette B, Bel Air, Harford County, Maryland


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