Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

Testimonials

Very comprehensive explanations

Very comprehensive explanations of "insurance" and translation into real English.  Melissa is very patient. This has been a  long process and she and her staff, Debby,  have been very diligent.

Baltimore County, Maryland

Helped me decide what I wanted and needed

LTC is so important and Melissa and Debby helped me decide what I needed to take care of me when I need it most. LTC will allow my children to have the funds necessary to care for me so I am not a financial burden for them. 

J.C, Bel Air, Harford County, Maryland

Helpful giving us many options

Melissa was helpful giving us many options for long term care.  She greatly explained all these options and brought us to the conclusion to purchase the LTC policy (life insurance with a LTC rider).

C..R., Elkridge, Howard County, Maryland

Could not be happier with the service

We could not be happier with the service we received from Melissa Barnickel in choosing & purchasing our long term care insurance.  She is extremely knowledgeable, professional and organized and spent endless hours ensuring that we understood our options and she helped us find the best choice for us.  The long term care market is very complex and we never would have been able to navigate it without her expertise.  We would highly recommend her for anyone looking for long term care insurance.

K.T. and L.T., Bel Air, Harford County, Maryland

Unbelievably Helpful

My husband and I found ourselves in early November without health insurance for 2018. We contacted Melissa and within a couple of days she set up a phone interview and spoke with us almost two hours answering our questions and explaining our options. She then followed up a week later and helped to sign us up for health benefits. She was extremely knowledgable and if she did not know the answer she researched it and got back to us.

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