Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

Testimonials

Professionalism and personal attention

When we recently received the premium increase notices concerning our long term healthcare policies, we were a little concerned. After we set up an online meeting with Melissa Barnickel and went through the particulars of the policies and the increased (doubled and increasing) coverage, we realized what a great thing we did by going with you 11 years ago. You worked with us to help defray the increased premium by paying annually instead of quarterly and helped us realize what comprehensive coverage we have. In spite of any future health concerns, our investments and home are safe, thanks to Melissa.

Long Term Care Insurance - Middletown, Frederick County, Maryland

Melissa was extraordinarily helpful in my recent decision to purchase long term care insurance. She really did a good job explaining basic concepts of long term care insurance to me and my wife. She was able to explain complex ideas in simple to understand terms. She provided both background material and specific details of coverage. She explained the options and why one choice might be better than others. My research with other companies and websites, time and again proved the value of her advice. She was extremely responsive to my questions and concerns. I never felt pressure or rushed to make a decision or purchase. Her explanations and suggestions made me comfortable with my purchase. I recommend Melissa Barnickel to you if you are interested in Long Term Care insurance. -Peter A., Middletown, Maryland

Confident I made a good decision!

Melissa was patient in explaining each step of the process and each benefit option.  I felt comfident I was making a good decision having worked through several long term care plan design options with her.  Thank you Melissa!

M. F., Monkton, Baltimore County, MD

Very professional yet caring and friendly

Melissa and Debby are very professional yet caring and friendly as well as efficient with excellent follow-up.  They are a pleasure to work with.

J. H., Havre de Grace, Harford County, MD

Thorough & efficient

Wonderful that Melissa filled in the long term care application for us via shared computer screen. She's very thorough and efficient.  

We liked the Friday email to update us.

It's a nerve-wracking situation, nothing can be done about that though.  Planning for long term care without knowing exactly what you will need.

P.M. and T. T., Havre de Grace, Harford County, Maryland

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