Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

Will my Medigap policy cover prescriptions?

No, Medigap policies no longer offer prescription drug coverage. Medicare Part D covers prescription drugs.

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Did You Know?

Can my spouse and I purchase a Medigap policy together?

No. Each Medigap policy covers only one person. If you and your spouse would both like Medigap insurance, you will have to purchase two separate policies.

What does long term care insurance cover?

Long term care insurance (LTCi) will cover in-home care, assisted living, adult...

What if I never need long term care?

If you purchase some form of LTC insurance and never need it, you and your family will be very glad you did not need it.

Who is a good candidate for a combination long term care insurance product?

Many of these combination products require a single premium payment, rather than many monthly payments or annual payments. Some people purchase these products because there is a one-time payment...

How does long term care insurance provide benefits?

Policies pay for qualified long term care cost based on the contract. The basis can be cost-Incurred Benefit/Reimbursement Plan or Indemnity Benefit or Cash Benefit

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Will my Medigap policy cover prescriptions?