Are you Dealing with Multiple carriers for Group Insurance?
What a hassle!
The only way to see if you are paying too much is to compare prices and plans… do you often wish that someone could do it all for you? It does not have to be a difficult process. You need an agent who makes the process comfortable by getting to know you and your specific needs, who speaks in easy-to-understand terms while helping you understand your options, without pressuring you for a quick decision.
Protecting your family is important. Your experienced professionals at the Merriam Agency, can provide affordable Health Care plans for a single person or a family. These plans include:
- Well Child/Baby Visits
- All Adult Annual Physicals
- Appropriate Screenings (i.e. mammograms, prostate, heart disease, diabetes, & more…)
Contact the Merriam Agency today to have a plan designed to fit your needs and your budget. If you’d like to provide the basic information for your healthcare expert to review, download and complete the attached application.
Flexible Spending, Health Reimbursement, and Health Savings Accounts
In addition to affordable benefits, Merriam also offers Flexible Spending, Health Reimbursement and Health Savings Accounts, to better manage your out-of-pocket expenses.
Save up to 40% on expenses not normally covered by a regular health plan, such as:
- Medical Co-pays and deductibles
- Prescription Drug Co-pays
- Parking & Transit expenses
- Dependent Care
Click below to find out which plan you may be eligible for!
Life Insurance is Insurance for Life
It is a plan that exalts life and defeats the financial impact of death. Through life insurance your income lives on and preserves that which is most precious to you. It guarantees a Mother’s hopes and a Father’s plans for the family’s future. It is food, clothing, shelter, and peace of mind. It is a new hope, fresh courage and strength for the family to carry on.
Long-Term Care Insurance (LTC or LTCI), is an insurance product which helps provide for the cost of Long-Term Care beyond a predetermined period. Long-Term Care Insurance covers care that is generally not covered by regular health insurance, Medicare, or Medicaid. Click here to find out more information or to apply.
You deserve to know if you are getting the coverage you need. Contact us anytime to find out, as well as obtain a FREE no obligation quote! We would be delighted to speak with you about any of our health insurance offerings.
Wellness programs are being implemented in large and small companies across the country, and the results are positively impacting the bottom line. “Research is showing that it’s more cost-effective to invest in preventive health practices, such as screenings, immunizations, health risk appraisals, behavioral coaching, and health awareness/education, rather than spending resources exclusively on the small minority of employees/dependents
The delay applies to the federal-run SHOP exchanges in almost three dozen states. With a few exceptions, SHOPs in states running their own exchanges have had a smoother rollout.
It is common for the Human Resources person at a workplace to pass out new forms every year during open enrollment, requiring every employee to indicate their personal information and that of their spouse and children, as well as the health plan they are choosing, the primary care physician, etc. It seems that there is always a question that cannot be answered immediately so these forms are set aside to complete later. Sometimes, later is after the deadline
One component of the recently enacted Affordable Healthcare Act, is the penalty on those who chose not to buy health insurance. These penalties have been referenced frequently of late, usually in the following way; “It’s only a $95 fee, right?” It seems that this is what the popular media would have everyone to believe; however there is a little more it than that. These are the rates for the next three years, which will continue to rise in years ahead:
As your trusted insurance advisor, The Merriam Agency is committed to keeping you up-to-date with the latest health care reform information. Per the U.S. Department of Labor, Exchange Notices must be given to all employees by October 1, 2013. This requirement applies both to employers offering group health insurance and those that do not. All employers must provide their employees with a notice of coverage options available through the Exchanges which open October 1, 2013. This is regardless
In the 30 years of my professional career in risk management and insurance, I have never come across an issue as divisive as the debate over National health insurance. I will admit, right up front, that I am an opponent to the idea. Categorically, I am one of those conservatives who are prone to side with Thomas Jefferson who was quoted as saying, “The role of government is to do for society what society cannot do for itself.” Likewise, I am apt to quote what was printed in the monthly periodical