Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

Professional, knowledgeable and so helpful....

Professional, knowledgeable and so helpful...these are just a few of the outstanding qualities of Melissa Barnickel! A Long Term Care policy and our Medicare Supplemental Health Plan was chosen with Melissa's guidance. Melissa even helps us yearly with checking that our Medicare Drug Plan is most economical for our needs. Make it easy and less stressful...contact Melissa!!!

T. and J. B., Sparks, Maryland in Baltimore County, MD

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Medicare Supplements

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Long Term Care Insurance

Medicare Supplement (Medigap)

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Did You Know?

Can my Medigap policy be cancelled if my health changes?

No. Your Medigap policy is guaranteed renewable. As long as you pay your policy premiums on time, it cannot be cancelled by the insurance company.

What are the tax benefits for an employer offering long term care insurance?

The tax benefits are based on how the entity reports to I.R.S.

Tax Information for Self-Employed Individuals, Partnerships, LLC, S-Corporations

What rating will I receive on my disability insurance application?

Many factors go into determining your health rating. To get a preferred health rating, you must be in excellent overall health. Your weight, height, cholesterol level, and blood pressure will...

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...

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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Professional, knowledgeable and so helpful....