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.
An Exchange is a New York State marketplace where small business employers, sole proprietors and individuals may shop for health insurance plans. The Exchange is an addition to your current health insurance options. There are two parts to the Exchange: 1. the Small Business Health Option Program (SHOP) 2. the sole proprietors and individuals program (Individual Exchange) The Exchange is a means of shopping
The Treasury Department has confirmed that the 2014 mandate for employers with 50 or more full-time workers has been delayed until 2015. This means that employers will not be subject to Federal penalties for not providing qualified health insurance in 2014. The Affordable Care Act requires that all employers with 50 or more full-time workers provide health insurance
Recently the U.S. Department of Health and Human Services announced a broader opt-out provision for religious non-profits that object to providing health insurance that covers birth control for women. This is an update to the August 2012 mandate that all health insurance plans are required to cover FDA approved and prescribed contraceptive services. There has been significant objection by some due to the contraceptive component.
A new day is coming. With the passage of the 2010 health care reform law, new group health plans that contain any “Essential Health Benefit” are prohibited from establishing any lifetime dollar limits on the value of those services. Previously, most policies had limits. So, if you had a serious illness, and you reached that limit, you would no longer be covered under that policy. There are still some grandfathered policies that have limits, but they are gradually being brought into line with the new policy. By the end of 2014, policy limits should be history.
It’s Open Enrollment time again for many companies. Those covered by Small Group plans, are fearful of what this year’s rate changes will bring. Premiums have risen sharply for the past several years. To manage the expense to the organization, increased co-pays and high deductible plans have typically been passed on to your employees. Federal Regulations Bring Change and Clarity Due to The Patient Protection and Affordable Care Act (PPACA, commonly known as “Obama Care”), employers will see changes not only in price and coverage, but in how these changes are portrayed.
Our national health care system has been through some tumultuous changes over the past few years, but this year, we have seen some of the impact - and we have been surprised a few times. Earlier this year, we received a call from a few organizations who had fewer than 50 participants in their health care plan. They had just received a letter of non-renewal from their long-standing (very large) health insurance provider. In fact, that insurer had decided to drop all health insurance policies with fewer than 50 participants.