Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

Advisors

This tag denotes content that is for advisors.

Very Knowledgeable

Melissa was very knowledgeable and informative. She was highly recommended by other members of MSRN.

S.T., Jarrettsville, Harford County, Maryland

Appreciate guidance and advice

Dear Melissa,

Well here it is, the long overdue thank you note! 

It was such a pleasure to meet you, especially at the beautiful location of your lovely home. My husband and I appreicate your guidance and advice as we go into this complicated next stage of our life.

Again, I want to congratulate you on the birth of your newest grand baby!

Sincerely,

C. M., Darlington, Harford County, Maryland

Very comprehensive explanations

Very comprehensive explanations of "insurance" and translation into real English.  Melissa is very patient. This has been a  long process and she and her staff, Debby,  have been very diligent.

Baltimore County, Maryland

Helped me decide what I wanted and needed

LTC is so important and Melissa and Debby helped me decide what I needed to take care of me when I need it most. LTC will allow my children to have the funds necessary to care for me so I am not a financial burden for them. 

J.C, Bel Air, Harford County, Maryland

A Very Satisfied Customer

The excellent and sufficient time to understand the purchase of a LTCi policy was outstanding.  I was not sure and uncomfortable about this step in life and value to me and my family.  Melissa was able to clearly and to the level I needed explain, provide answers and work to find the right LTC for me. Thank you - a very satisfied customer.

P.F., Ellicott City, Howard County, MD

Interview in Best-Selling Book

Melissa Barnickel was interviewed for the best-selling book, "Aging in Place: Insights and Advice on Maintaining an Independent Lifestyle".

Thorough & efficient

Wonderful that Melissa filled in the long term care application for us via shared computer screen. She's very thorough and efficient.  

We liked the Friday email to update us.

It's a nerve-wracking situation, nothing can be done about that though.  Planning for long term care without knowing exactly what you will need.

P.M. and T. T., Havre de Grace, Harford County, Maryland

Very professional yet caring and friendly

Melissa and Debby are very professional yet caring and friendly as well as efficient with excellent follow-up.  They are a pleasure to work with.

J. H., Havre de Grace, Harford County, MD

Confident I made a good decision!

Melissa was patient in explaining each step of the process and each benefit option.  I felt comfident I was making a good decision having worked through several long term care plan design options with her.  Thank you Melissa!

M. F., Monkton, Baltimore County, MD

Amazing LTC Knowledge

Dear Melissa, Our time on the phone with you was the most valuable phone conversation we’ve ever had. It is amazing that anyone could have the knowledgeyou have on Long Term Care. We cannot thank you enough and will tell everyone we know about your expertise! Thank you so very much!                  Jack E and R.E, Grasonville, Queen Anne’s County, MD 

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