Baygroup Insurance

Maryland's premier Long-Term Care insurance agency


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

Life Insurance with a Long Term Care Rider - North Wilkesboro, NC

Many thanks or all your (Melissa Barnickel) help! You went out of your way to guide me through the long-term care maze - explaining things, answering questions, sending and evaluating materials for me!  Had you not been so thorough and patient, I probably would not have bought insurance.  I would highly recommend you!  Thank you again for all of your time and friendliness.  Mrs. C. H.

Long Term Care Insurance and Medigap - Sparks, Baltimore County, MD

Melissa Barnickel was recommended to us when we were looking for long term care insurance. She was extremely helpful and explained everything so we could understand and make an informed decision. When we retired it was extremely confusing and upsetting trying to make sense of what to choose for Medicare Part B, prescription and Medicare Supplement Plan F. Melissa met with us and counseled us on the different plans available. Depending on what your health situation is and what prescriptions you take makes a difference on the plan you choose. This year she worked with us again on our prescription renewal. We are grateful for her counsel and feel confident our choices were the best for our situation. Thank you Melissa.

 Mr. & Mrs. T. B.

Long Term Care Insurance Policy Review - Washington, DC

Many thanks for your reply to our email of January 16, in which we asked for your views on our current long term care policy we bought in 2003. We appreciate the time you spent looking at what you have in your records about my wife's policy and the time you spent talking to her on the phone January 10th. It helps us to have a current perspective and makes us feel better about the decision we have to make. We had both been wondering whether we might be over-insured and whether it might be a mistake to accept the price increases without making some adjustments to our coverage. With the information you have given us, we feel that the increases may not be out of line with the realities of the current market and that we would probably be wise to keep what we have, at least for the time being. Your suggestion to my wife in the phone call, to figure the ratio of what we have paid to the value of the benefits we have accrued, was especially helpful to us in arriving at this view.

We bought our policies 11 years ago and are very pleased that your referral source has been willing, after so long a time, to support us in this reassessment of our coverage. We particularly appreciate your timely and helpful advice and would be glad to convey our thanks to others, if that would be useful in anyway. Mr. W. M.

Daunting task made very easy

Just wanted to drop you a quick note to thank you, Melissa, so much for all your help with my Medicare Supplement Insurance enrollment.