Health & Benefits
Schenectady, NY Toll-Free:
(877) MERRIAM x 203
(877) 637-7426 x 203
In 2007, she began working as an account manager, assisting groups with health, life, dental products and resolutions. She has also worked in Human Resources, dealing with employee benefits and payrolls for about 6 years.
Stephanie greatly enjoys the customer service aspect of her job duties; she likes to resolve issues which will hopefully be in her clients’ favor. She feels that timely communication is of utmost value to our clients and is tentative to their needs by responding back to them quickly, especially.
When she’s not working, you may find her at a sporting event that one of her daughters is participating in. She and her husband, their 3 daughters and their dog, enjoy the outdoors – especially in the warm weather. They reside in Waterford, NY.
(877) MERRIAM x 217
(877) 637-7426 x 217
Dee is passionate about helping her clients attain viable solutions for affordable healthcare, by listening to their needs and researching all of the options.
Dee is the proud mother of two young adults who both rely on her insights regarding health insurance coverage. When she is not working, she is either with her Basset Hound, Abbie, her family, or at her community garden plot.
Schenectady, NY Toll-Free:
(877) MERRIAM x 213
(877) 637-7426 x 213
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), 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. Contact us to find out more information and 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.
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
For the past 3 years, the health insurance industry has been working to meet the requirements of the Patient Protective Affordable Care Act (PPACA). The intricacies of the over 2,000 page document can be staggering. Part of our job is to assist both employers and individuals in your navigation through this new health care reality, as well as with the decision-making process that lies ahead. Even prior to the implementation of the PPACA, the Merriam Agency has had access