Baygroup Insurance

Maryland's premier Long-Term Care insurance agency


Long Term Care Insurance - Harford County, Maryland

Harford County, Maryland resident discusses why she wanted to get long term care insurance; how she selected her insurance broker, Melissa Barnickel, CPA, CLTC, with Baygroup Insurance and how comfortable she was with her decision to buy a long term care insurance policy after the education she received from Melissa. - Mrs. A. H.

Uncommon mastery of details and commitment

The Social Security maze requires a skilled and patient guide. Melissa has an uncommon mastery of the details, a delightful sense of humor, and a commitment to her clients that puts her in a league of her own. She is a remarkable talent!

C. L. , Baltimore City, Maryland

Long Term Care Insurance - Laurel, Prince George's County, Maryland

Having very recently watched both of my grandmothers and my father-in-law's health decline to where they all required caregiving at the end of their lives, my husband and I both realized it was time to prepare, as best we could, for our own future health care needs. Melissa Barnickel was tireless, and always helpful and cheerful, in answering our seemingly never ending questions to select a LTC program for us. We are very grateful for her vast knowledge of the business and for her incredible insights. We now feel very well prepared to face that last chapter in lives. Mrs. P. S.

Long term care insurance is an important matter

Thank you for all of your good work. We appreciate your help with such an important matter.

Scott and Jill, Fairfax VA

Feel better knowing I have LTC Insurance

Melissa,  Thank you for getting me through this process. It's not a pleasant subject to think about, but I feel better knowing that, unlike my mom, I have this option to fall back on if I need it.  

Thanks, M.R., Ellicott City, Howard County, Maryland