Very Knowledgeable

Melissa was very knowledgeable and informative. She was highly recommended by other members of MSRN.

S.T., Jarrettsville, Harford County, Maryland

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Long term care insurance testimonial

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Long Term Care Insurance

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What coverage options can be adjusted so my policy suits my budget?

Long-Term Care insurance has many options and riders that will affect the premium you pay. It is best to talk to an expert to discuss what benefits are most important to you. Some of the...

What health conditions and treatments will be covered for my employees under my group health plan?

Federal and states mandate minimum benefit requirements for group health plans. Beyond these, you will be able to elect plan designs from those offered carrier selected. Baygroup Insurance can...

What features should I look for in my long term care insurance policy?

The daily or monthly benefit that the policy would pay for long term care expenses vs the amount you would pay out-of-pocket. The elimination period (or deductible...

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...

How does long term care insurance provide benefits?

Policies pay for qualified long term care cost based on the contract. The basis can be cost-Incurred Benefit/Reimbursement Plan or Indemnity Benefit or Cash Benefit

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Very Knowledgeable