Baygroup Insurance

Maryland's premier Long-Term Care insurance agency


Independent Review of Existing Policy Provides Peace of Mind

Recently we had a series of meetings with our Estate Planning Attorney to review and update our pertinent documents.  In the process, she suggested we have our LTC policies assessed, which we’ve had since 2002.  She suggested Melissa Barnickel for the job as she is a specialist in these types of insurance.  Since we had often wondered if our policies were still relevant and worthwhile today, we were delighted by the opportunity to have a trusted professional provide us with an independent review.

Helpful in identifying benefits that met my needs

Figuring out what long term care policy to buy can be very confusing, so I am grateful to Melissa for helping me identify what benefit plan would best serve my needs. She clearly knows what the plans offer and how to match the benefit amounts with my financial and long term care needs. I really appreciated her wisdom on what was a very difficult decision. She is not only an expert, but a great person to work with. Thank you, Melissa!

Thanks!!!  T.L., Rockville, Montgomery County, Maryland

Great problem solving skills; Listens well and helped me meet my goals

What sets Melissa apart from the competition is her ability to listen well.  She has no agenda apart from making sure your needs are met, based on the goals you wish to achieve.  She is thoughtful and kind and has great problem solving skills.  I would recommend Melissa to anyone wishing to investigate and purchase Long Term Care Insurance.

K. M., Middletown, Frederick County, Maryland

Honest assessment of existing policy with federal long term care plan


I appreciated your prompt response. Rather than trying to sell me another product, you provided your honest assessment that you could not provide a less expensive policy than the one I had.  

Thank you.

C. L, Nampa, Canyon County, Idaho

Learned a great deal

I am sending this letter in follow up to your efforts to secure long term health insurance for me. I am, of course, disappointed that I could not acquire the benefits that desire but I understand the position of the insurer. I want to thank you and Debby for your continuous efforts to share information with me and to try to catch me for appointments, which if I had followed through sooner, perhaps my success might have had a better chance. All is not lost, as I learned a great deal and hope that if I make any life changes that will impact my chances, I am encouraged to try again.

A.B., Aberdeen, Harford County, Maryland