Bay State Insurance Agency Limited


I highly recommend Bay State Insurance Agency Limited for all your healthcare insurance needs, from individual insurance to Medicare supplemental plans.  When my husband and I lost our individual health plan through Aetna because Aetna was moving out of the individual market in Maryland, we didn't know where to turn.  The healthcare maze, especially when the Affordable Health Care Act was new, was a maze we didn't know how to travel.  I relied on the Queen Anne's County Senior Center to point me in the right direction.  They gave me four independent agencies to contact and I contacted them all.  Bay State, under the guidance of Mike Zimmer and Rebecca Thacker, was outstanding in their response to my call to them.  First I looked at their website and found it the most professional and informative of all four and then I called them.  They immediately returned my call and I made an appointment to see them.  They advertise that all calls will be returned the same day.  I found that they called back immediately and later answered emails just as quickly.  I went to their office and they were ready for me, having written down all the information I had given them.  They found me a policy quickly and helped me negotiate the application.  I was able to relax and realize my insurance was secured.

When it was time for me to apply for Medicare, I visited again.  Why should I guess at comparing plans when they knew what to do and had all the websites at their fingertips?  They immediately recommended a supplemental plan individualized to my needs.  When my husband needed his plan, we visited again.  We could have done it over the phone, but we felt better speaking in person because Rebecca and Mike make you feel like you are their only client.  They excel in the personal touch.

I have since recommended 6 other clients to Rebecca and Mike.  Some have had more questions and decisions than others but all have called me back and praised Bay State Insurance for their help.  All would return again and again if needed.   Bay State Insurance receives Five Stars in my book and my 6 other recommendations concur.  Ease your own worries and let the professionals do their job.  You will be as pleased as I have been.

Jill Mulford

P.S. Love your new website but don't feel your names are mentioned enough.  You excel in the personal touch.  I had to search for your names.  I would splash them on every page.



On behalf of all the guys here at CPR we recognize and thank you from the bottom of our hearts for all the hard work you did on our behalf.

We were not an easy group to get insurance for, surely the vast majority of insurance agents would have passed and gone on looking for the easy policies.  But you stayed with us, worked in our best interest and got the job done. You are an amazing guy! We greatly appreciate all of your personal attention and hard work.

All the best,

Bruce Wakefield



I am very pleased to give my recommendation for Bay State Insurance Agency, Mike and Rebecca.  I met Mike and Rebecca four years ago, as I began my retirement process.  I have found them to be honest, trustworthy, with an attention to detail.  Once my plans were in place, they were consistent with their follow up.  Now, four years later I can depend on them to keep my investments current, and offer advice when called upon.  I feel confident when I recommend them to others.  Thank you, Mike and Rebecca for your professional and caring attitudes.

Betsy Koerner


It is with pleasure that I write this letter of recommendation for you. As you know, since 1995 Bay State Insurance has been our insurance agent.  We started initially with life insurance policies on my husband and myself.  At that time, our business was a small operation, employing one other person besides ourselves. As our business grew you were there to help us make good choices about our insurance and retirement.  Recommendations were made that have insured that we will have a comfortable and secure future.  Just last year you presented your Simple IRA plans to our corporation.  Many of our employees, as well as ourselves, have benefited from starting the plan. Your expertise and wisdom in retirement planning and insurance is unsurpassed.  Your old fashioned approach to business - personal service backed up with your handshake and good word is remarkable and much appreciated.  Over the years we have called you at home, on the weekends and in the evening, and you have always been responsive to our needs.  You take the time to explain complicated issues.  To summarize, we have trusted you with one of our most important commodities - our future, and I know we are in good hands. I would highly recommend you in the future to anyone.

Best Wishes.

Cathy L. Carter, President

Carter Professional Service Inc.