Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

testimonial for long-term care insurance

Knowledgable and Helpful

Melissa was so knowledgable and helpful!  She provided options based on our needs and let us ask lots of questions about life insurance with long term care rider. We feel better educated and confident in our product selection.  Thank you!

Tom E., Frederick, Maryland

The worry of being a burden on my loved ones is gone!

As I approached age 60, I decided to "get my ducks in a row" in terms of later-in-life plans, especially Long Term Care.  Melissa Barnickel came to my home and I felt an immediate connection!  She walked me through the many LTC plans available and helped me choose the plan which best suited my needs.  Melissa is honest, reliable, and responsive.  She is dedicated to making sure that clients get just what they want and need.  My greatest worry was being a financial burden on my loved ones. That worry is gone.

Elizabeth M., Bel Air, Harford County, Maryland

Can't ask for a better agent!

My wife and I met with Melissa Barnickel after being advised by our financial advisor of the cost of long term care.  Melissa is a very knowledgeable, professional, and extremely customer focused individual.  All of our questions are always answered immediately and completely.  We could not ask for a better agent than Melissa.  Thank you for your quality customer service!

P.D.C, Linthicum, Anne Arundel County, MD 

Honesty, not just selling

My husband and I met with Melissa to discuss a long term care policy which we have had for about 10 years. We wanted to see if "we could do better," and Melissa advised us to keep what we have as it is more complete than what we could purchase now..and for a higher price. We appreciated her honesty. She was there to help, not just sell us her product. We'll be going back when it's time for purchasing secondary insurance on

Learned a great deal

I am sending this letter in follow up to your efforts to secure long term health insurance for me. I am, of course, disappointed that I could not acquire the benefits that desire but I understand the position of the insurer. I want to thank you and Debby for your continuous efforts to share information with me and to try to catch me for appointments, which if I had followed through sooner, perhaps my success might have had a better chance. All is not lost, as I learned a great deal and hope that if I make any life changes that will impact my chances, I am encouraged to try again.

A.B., Aberdeen, Harford County, Maryland

Resourceful problem-solving and excellent customer service

Melissa and her staff were wonderful to work with. She succeeded in walking me through a challenging process where others had failed. Melissa/Baygroup provided resourceful problem-solving and excellent customer service every time! 

L.G., Towson, Baltimore County, Maryland

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

Subscribe to RSS - testimonial for long-term care insurance