Health & Benefits

Francis X Foley

Francis X Foley

Health & Benefits Manager
Schenectady, NY

Toll-Free:
(877) MERRIAM (637-7426) x 205


Shannon McMeel

Shannon McMeel

Shannon joined the Agency in September of 2014. She has been administering Flexible Spending Accounts and financing for over 13 years.

Shannon is very passionate about the work that she does at Merriam. She loves working with her clients, visiting employees and educating them about the great benefits we offer.

When Shannon is not working, she is mot likely at her daughter's softball games or practices. If there isn't a game going on, she loves spending time with her family at home.

Manager of TPA Services
Schenectady, NY

Toll-Free:
(877) MERRIAM x 203
(877) 637-7426 x 203

Stephanie Galuski

Stephanie Galuski

Stephanie Galuski has been with us since October 2015, as Health & Benefits Senior Account Manager. She joined the Merriam Agency having been from Scherff Insurance Agency, which the Merriam Agency acquired in early October.

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.


Senior Account Manager

Toll-Free:
(877) MERRIAM x 217
(877) 637-7426 x 217


Demaris

Demaris "Dee" Dailey

"Dee" joined the Agency in March of 2015 a Health Benefits Specialist and has been involved with Employee Benefits since 1987. She was raised in small-town Deposit, NY on the New York/Pennsylvania border.

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.

Health Benefits Specialist
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.

If you’d like to provide the basic information for your healthcare expert to review, download and complete the attached census form.

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
  • Vision
  • 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

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.

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Summary of Benefits and Coverages

A mandated revision to the Summary of Benefits Coverage (SBC) takes place on September 23, 2012. After this date, the SBC will be provided to all participants on the 1st day of their open enrollment and at critical decision-points (i.e. upon application for coverage, by the first day of coverage, if the information has changed, upon renewal, and upon request) without charge. According to the recently enacted legislation, the responsibility

Flexible Spending Account Changes

Beginning January 1, 2013, employees will be limited to $2500 per plan year for contributions to Flexible Spending Accounts. For those employees who are used to higher contributions, this change may facilitate re-evaluation of the sufficiency of the reimbursement level.

Medical Loss Ratio Rebates

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Mandated Contraceptive Coverage

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