Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

Testimonials

Listens to understand needs and quickly responds

If you need assistance and advice with insurance, I highly recommend Baygroup Insurance. Melissa Barnickel has never failed to respond quickly to my questions or pleas for help. The world of insurance can be a scary place. It is a comfort to have someone in your corner who understands your needs. Thanks, Melissa.

K.F. Abingdon, MD in Harford County, Maryland

Resourceful problem-solving and excellent customer service

Melissa and her staff were wonderful to work with. She succeeded in walking me through a challenging process where others had failed. Melissa/Baygroup provided resourceful problem-solving and excellent customer service every time! 

L.G., Towson, Baltimore County, Maryland

Long Term Care Insurance - Forest Hill, Harford County, Maryland

Melissa Barnickel has been a great help to us.  

A few years ago, we began to contemplate purchasing long term care insurance. An estate attorney and a financial counselor confirmed the idea.  

Though experienced researchers, we found that the long term care insurance field is not easy to navigate. You can't easily learn what you want to know. Competing companies describe their products differently. The terminology proves difficult. Lacking long experience with different plans, it's hard to understand what plans best satisfy which feelings and needs. The attorney and the counselor both understood that for themselves, and both recommended Melissa Barnickel, CPA, CLTC.

When she first visited, Melissa spent an hour or two with us, mostly educating. When she left, we understood things far better. But we now had to make some decisions, and Melissa did nothing to make us feel rushed to do so. In fact, it was months later, and after some hard work for us on Melissa's part, that we finally committed to an insurance program. Largely because of Melissa's efforts, we are confident that our insurance is right for us.  Sooner or later everyone has to call on a professional with expertise, a plumber or electrician, a doctor or lawyer. Melissa provided the insurance expertise we needed and for which we are grateful.  - Dr. and Mrs. F. H

Life Insurance with a Long Term Care Rider - North Wilkesboro, NC

Many thanks or all your (Melissa Barnickel) help! You went out of your way to guide me through the long-term care maze - explaining things, answering questions, sending and evaluating materials for me!  Had you not been so thorough and patient, I probably would not have bought insurance.  I would highly recommend you!  Thank you again for all of your time and friendliness.  Mrs. C. H.

Long Term Care Insurance and Medigap - Sparks, Baltimore County, MD

Melissa Barnickel was recommended to us when we were looking for long term care insurance. She was extremely helpful and explained everything so we could understand and make an informed decision. When we retired it was extremely confusing and upsetting trying to make sense of what to choose for Medicare Part B, prescription and Medicare Supplement Plan F. Melissa met with us and counseled us on the different plans available. Depending on what your health situation is and what prescriptions you take makes a difference on the plan you choose. This year she worked with us again on our prescription renewal. We are grateful for her counsel and feel confident our choices were the best for our situation. Thank you Melissa.

 Mr. & Mrs. T. B.

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