Baygroup Insurance

Maryland's premier Long-Term Care insurance agency


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

Long Term Care Insurance - Baltimore County, Maryland

My wife and I were very impressed with Melissa Barnickel when, in 2010, we decided to survey the long term care market. After asking us several questions, she sent us information to review as well as a number of proposals to consider from companies that she felt were leaders in the industry. One example of a study that she supplied stands out to us—it was the average facility costs to be a resident in the geographic areas that interested us.
The premium quotes for the coverage available, along with applicable discounts when both spouses are insured, combined with the costs of facilities provided a complete picture so that we could intelligently make a decision on our next step---the application for a policy with designated personal preferences. Melissa simplified that process for us as well by answering questions and electronically sending us everything we needed.
Her terrific follow up and patience was exemplary. We have recommended Melissa to friends and family without hesitation. - Mr. & Mrs. B.P.

Medigap, Health and Long Term Care Insurance - Forest Hill, Harford County, Maryland

I have known Melissa Barnickel for ten years and early on saw the depth of her knowledge on Long Term Care Insurance. This set her apart from others who I met that handled insurance including long term care insurance. When I introduced her to my husband, he was very impressed, particularly important since he was not immediately enthusiastic about this decision. We now know that it was an excellent move for our financial well-being. Our attorney and financial advisor both know her and have the same high regard for Melissa.

Last year when we retired, we had read much about health insurance and supplemental insurance. She spent a great deal of time going through it with both of us, providing all the options for us to make the right decisions. Retiring was wonderful, however, there were so many unanswered questions and financial concerns that arose. She was of great help to us both. I would recommend her to anyone and know others who would do the same.   -  Mr. & Mrs. T. R.

Long Term Care Insurance, Carroll County, Westminster MD

My wife and I have an existing Long Term Care (LTC)  Insurance policies and have had it for over 11 years.  Our  Agent decided to resign leaving us high and dry. We contacted the Dept. of Aging and asked if they could suggest someone knowledgeable in LTC policy matters and they said they have had excellent results in dealing with Melissa Barnickel.  After talking with Melissa, we were very impressed with her experience in this area.  She agreed to act as our new Agent if we received approval from the the headquarters of our LTC company.  We did this and received approval to have her appointed as our  new Agent. She is now our  new Agent even though there was no compensation or commission received by her.  Melissa Barnickel has been most helpful in giving us a better understanding of our LTC policies.            J  and RB