Baygroup Insurance

Maryland's premier Long-Term Care insurance agency


Informative education personalized to my needs

After attending one of Melissa's very informative webinars on long-term care insurance, I made an appointment with her to get more personalized information. During this meeting, she very thoroughly answered the two pages of questions that I had provided beforehand and emailed me additional information that would have been hard to capture in notes. From the patient, cheerful responses that I received during our meeting, I would never have guessed that she was leaving on vacation the next day and was extremely busy. Several days later, I received brochures in the mail that she thought might be useful for other family members. I strongly endorse Melissa and can't imagine finding a more customer-focused or knowledgeable long-term care professional.

T.M., Annapolis, Anne Arundel County, Maryland

Appreciation for Long Term Assistance for our LTCI Policies!

Melissa, Scott and I would like to thank you for your continued interest and assistance regarding our Long Term Care Insurance policies. It is hard to believe that several years have passed since you first briefed us on our options and walked us through the application process. We were fortunate to have found you and so glad that we purchased our policies. Everything we read about financial planning includes a section on the importance of obtaining Long Term Care Insurance. In addition, your advice regarding trends in pricing among competing companies was extremely accurate. We definitely made the right choice. Great Work, Melissa!

S. and J. H., Fairfax County, Fairfax, VA

Professional, knowledgeable and so helpful....

Professional, knowledgeable and so helpful...these are just a few of the outstanding qualities of Melissa Barnickel! A Long Term Care policy and our Medicare Supplemental Health Plan was chosen with Melissa's guidance. Melissa even helps us yearly with checking that our Medicare Drug Plan is most economical for our needs. Make it easy and less Melissa!!!

T. and J. B., Sparks, Maryland in Baltimore County, MD

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