About
Baygroup Insurance
Baygroup Insurance is an independent insurance brokerage committed to providing comprehensive consumer education and insurance solutions from highly-rated insurance companies. Baygroup Insurance is a broker of high quality Long-Term Care insurance (LTCi), home health care only, life insurance, disability insurance, Medicare Supplement and health insurance policies.
We have the expertise to help you find the solution that best meets your budget and your needs.
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A New Company with a Long History
In 1991 Ed Hutman first entered the Long-Term Care insurance (LTCi) industry bringing a financial background and 20 years of volunteer experience in a large skilled nursing facility in Rockville, MD. He worked with one of the early pioneers of LTCi concepts, learning the many facets of this important element of financial and retirement planning. In 1993, Melissa Barnickel joined the company as CFO using her insurance, accounting and administrative background to help manage a growing company in a growing industry. In 2004, Melissa and Ed joined other long-time agents in further developing individual and group programs through Comprehensive LTC Group and Group LTC Services.
In 2012 Baygroup Insurance was formed to expand our capacity to meet future client needs and broaden the range of services we offer.
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Melissa Barnickel, CPA, CLTC
Melissa Barnickel is a CPA, a CLTC, (Certified in Long Term Care), and a licensed insurance broker specializing in Long Term Care Insurance (LTCi). Over the past 40+ years she has worked for KPMG as an auditor and consultant and held significant financial positions such as Controller, Vice President of Finance and Leader of LTC Sales for two different insurance brokerages. She has worked in the LTCi industry over 30 years.
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Our Independent Associates
Edward S. Hutman
Edward Hutman,CLTC, (Certified in Long-Term Care), LTCP, (Long-Term Care Professional) has been a licensed insurance agent specializing in long-term care insurance since 1991. He has actively encouraged education within the industry. He was Program Chair in 2000 and 2001 for the Long-Term Care Insurance Program-Maryland Association of Health Underwriters Long-Term Care Conference. In 2005 he was the Long-Term Care Insurance Chair for the Maryland State Insurance Expo. He has been active in both group and individual long-term care insurance education and sales. Ed was on the review committee for the America's Health Insurance Plans training course on long-term care.
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