Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

Medigap

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.

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.

Medigap - Medicare Supplement

What is Medigap Insurance?

Medigap, also known as Medicare Supplement, is insurance designed to fill the "gaps" in original Medicare coverage. It is a supplement to Medicare. Medicare Supplement plans pay deductibles and copays not covered by Medicare A or B. If you have Medicare Part A and Part B and do not have retiree health coverage you may want to consider a Medigap insurance policy. If purchased, the two will work together to pay covered health care costs. If you would like to discuss when you should apply for Medicare A and Medicare B, contact Baygroup Insurance at 410-557-7907, we will be happy to educate you. Another great resource is the Medicare and You booklet that is issued by Centers for Medicare and Medicaid.

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