Baygroup Insurance

Maryland's premier Long-Term Care insurance agency


Appreciated Help and Time

I just want to take a few minutes to thank you for helping me get my medical insurance.  I appreciate all the help you gave me and time you dedicated for me.  You are the best.
Thanks again for all you help!

Margarete B

Aberdeen, Harford County, Maryland


Options provided and carefully explained

Melissa Barnickel of Baygroup provided several options and carefully explained the differences.

Lorraine A. 

Beltsville, Prince George's County, Maryland

Investigating hybrid whole life/long term care policies

It was very useful to have Melissa’s input on options I am considering for insurance.  Her familiarity with what various insurers are offering is great. Especially helpful when dealing with considerations that may be out of the ordinary – like what kind of restrictions would apply for use of policy benefits outside of the US.  Melissa has done her homework and has a lot of that information right at her fingertips.

Robin K, Baltimore, Baltimore City, Maryland

Melissa made it so easy!

I appreciate Melissa’s ability to remotely guide me through all the steps and explain the process in such a concise and understandable way. I was a little anxious about purchasing new health coverage now that I’m not working,  and Melissa made it so easy! She’s amazing! 

Sandra M, Baltimore County, Baltimore, Maryland

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