Baygroup Insurance

Maryland's premier Long-Term Care insurance agency


Printer-friendly versionSend by email

We are open and available to educate and help you plan using insurance to fund  your plan.  When you work with Baygroup Insurance, we will talk with you on the phone and permit you to view our screen as we go over information in the comfort and safety of your home.  Take the first step to learning more about planning for your family.  We can help you with long term care, life, disability, health and Medicare Supplement and Part D.  We are paid by the insurance company, if you purchase insurance. There is no additional cost to you.    

LTC Insurance helps you & your loved ones:  

·         Protect & maximize your financial assets

·         Avoid becoming a burden to your family

·         Gain peace of mind & reduce your risk

·         Maintain personal dignity & independence

Ensure you have options for care!  A good long term care plan can be the exact think that keeps you out of a nursing home!

Long Term Care Insurance can cover the person's BEING with daily personal care expenses over an extended time, but also has the potential to protect valuable assets from being used in the event of a health-related issue.

Health insurance or Medicare helps with immediate medical expenses, such as a hospital bill, but it doesn’t cover long term care. LTCi helps with the cost of chronic or progressive illnesses, disabilities, Dementia & Alzheimer’s Disease and more. Expenses that are covered may include:

  • Home Care
  • Assisted Living
  • Adult Daycare
  • Alzheimer's Facilities
  • Home Modification
  • And more…


Long term care insurance pays benefits for custodial care received at home as well as assisted living and skilled facilities.  If you get to a nursing home, other financial savings can be used at that point.

Long term care insurance helps you protect your assets, your family, and your future.

Many people are surprised to find out how expensive the gap in care is.

For example, about one-third of all nursing home costs are out-of-pocket. This can be financially devastating and stressful for families to try and figure out how to properly care for a loved one.

Are you and your family at risk?
Extended care is a life-changing event for you, your spouse and your family. Are you prepared? Chances are, you aren’t. Nearly 70% of Americans 65 years of age and older will need long term care at some point in their lives. Yet only 30% have the coverage they need.

Use your age & good health to protect your future!

The choice is yours! 

The cost of waiting is HIGH:

  • You may no longer qualify
  • Higher premiums
  • Limited plan options
  • Fewer benefits
  • Stress & loss of control
  • Increased risk

Plan NOW for the best coverage:

  • Qualify while in good health
  • Lower premiums
  • Maximum plan options
  • More benefits
  • Peace of mind
  • Reduce risk

Long-term care planning gives you peace of mind and freedom to make the best choices for you, your spouse and family.

Preserve your financial assets & lifestyle

Simply put, having a large 401k balance without long term care insurance protecting it is like owning a home without insuring it.  By planning ahead with long term care solutions, your assets can continue to generate income—as you enjoy retirement, travel, pay important expenses, and stay in control of your finances.

If your assets are used to pay out-of-pocket for care, your hard-earned money can quickly be drained. This can impact your lifestyle if your budget decreases and you cut back on activities you enjoy. Worse case, it brings financial instability, stress and it may limit the options you have for care.

The decision to plan ahead positively impacts multiple generations of your family and loved ones.

Having a long-term care plan is the best way to make sure you have the care you may need without

jeopardizing your family’s personal and financial security.

Right-size your policy by creating a plan for your specific needs

You need a policy that fits your family and lifestyle—not too little or too much. My expertise as a Long Term Care Insurance Specialist and CPA certification means that I can review your specific needs and maximize the value of what you’re paying for.

The process includes shopping various insurance carriers (as an insurance broker) to identify the best product for you, educate you on options and then help you design a policy that will provide the most benefits at the best price. 

You don’t need to spend time and energy meeting with other insurance professionals with various carriers. Baygroup Insurance is a one-stop shop.

You have the most options available to you when your health is excellent.

We evaluate your health, finances, and preferences to see what options are available to you. This funnel graphic gives an overview of how these components determine your options for long term care.

When you have excellent health, you have ALL these options available. Stand-alone Long Term Care insurance is the best option, giving you 6x the benefit of what you invest.

Your choices get more limited as your health decreases. It’s still worth looking into your options; but remember to act sooner than later.

In some cases, my clients were able to improve their health through weight loss and other changes to move up the scale. I’m here to guide you on a plan that fits your needs.

I’ve worked with many people over the years that start the process of getting long term care insurance, but they delay, thinking they can get it later. Sadly, life circumstances quickly changed due to unexpected illness or accident, and they were no longer able to qualify for the top level of care.

I was still able to find options, but it was not the BEST option that they could have gotten if they had acted when they first considered long term care.

Imagine the impact this had on them, their spouse, and their caregivers. The delay increased their cost with a decrease in care. I can’t urge you enough to act sooner than later so I can help you get the top level of coverage available to you.

My goal it to get you the best policy for the least money to preserve your assets & allow you to make choices about your lifestyle. No “what ifs” or regrets that you didn’t act sooner.

Planning ahead can significantly reduce stress and protect your assets. Let us help.

Protect your family, assets & lifestyle. The time to act is NOW!

Contact Melissa to review your options 
You can call, email or request via website.  We will be asking information about your medical and family history, so that I am prepared with pre-qualified options for you to consider.

We listen, we educate, we innovate

Baygroup would enjoy the opportunity to educate you as a consumer, advisor, your employees or association members.

We offer the following insurance products:

Long Term Care Insurance

Long Term Care Planning is tailored to your preferences and needs. Individual, Group, Life/Long Term Care, Annuity/Long Term Care, Combination Plans. Although not long term care - Short Term Care (less than 1 year) and Home Care only policies are also available through Baygroup Insurance.

Life Insurance

Term Life Insurance, Permanent Life Insurance (Whole Life, Universal Life)
Disability Insurance Individual Disability Insurance
Health Insurance Individual Health Insurance,  Medicare Supplement Insurance (Medigap)