Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

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Did You Know?

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.

What rating will I receive on my disability insurance application?

Many factors go into determining your health rating. To get a preferred health rating, you must be in excellent overall health. Your weight, height, cholesterol level, and blood pressure will...

Can I still get life insurance if I use tobacco?

Yes. You will not receive a preferred health rating if you use tobacco, so the premiums that you pay will be higher than those a nonsmoker would pay.

Can my spouse and I purchase a Medigap policy together?

No. Each Medigap policy covers only one person. If you and your spouse would both like Medigap insurance, you will have to purchase two separate policies.

How will having long term care insurance affect my family?

Long term care insurance enables your family to supervise your care, rather than provide the care. Their emotion and physical wellbeing is maintained. ...

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Right-sizing coverage