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Prepare now for Long-Term Care

Richard Hale

Marketing Director at Merriam Insurance Agency
376 Broadway
Schenectady, New York 12305

Toll-Free:
(877) MERRIAM x 212
(877) 637-7426 x 212

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Richard Hale

Latest posts by Richard Hale (see all)

The majority of Americans will spend time in a nursing home or other long-term care facility at some point in their lives, but most have done nothing to plan for this event. Given the current options for addressing long-term care, they may carry the bulk of the burden personally. Currently, 12 million Americans...

Fireplace Safety

Richard Hale

Marketing Director at Merriam Insurance Agency
376 Broadway
Schenectady, New York 12305

Toll-Free:
(877) MERRIAM x 212
(877) 637-7426 x 212

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Richard Hale

Latest posts by Richard Hale (see all)

As the days get shorter and the thermometer drops, we naturally start thinking about what we are going to do to keep warm this winter. With the cost of heating oil, propane and natural gas taking a bigger bite out of the family budget, many people are thinking about using...

Health Insurance Renewal Season

Shannon McMeel

TPA Services Representative at Merriam Insurance Agency
376 Broadway
Schenectady, New York 12305

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

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Shannon McMeel

Latest posts by Shannon McMeel (see all)

Health insurance renewal season is upon us once again. Every year in recent memory there has been an increase of premium which can be scary and frustrating. The Merriam Agency can ease the frustration of determining which health plan will bring the best overall value to your company and your...

How Does a Medical Deductible Work?

Shannon McMeel

TPA Services Representative at Merriam Insurance Agency
376 Broadway
Schenectady, New York 12305

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

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Shannon McMeel

Latest posts by Shannon McMeel (see all)

The Problem with Healthcare

Brian H. Merriam, CPCU, ARM, AAI, President

376 Broadway
Schenectady, New York 12305

Toll-Free:
(877) MERRIAM x 201
(877) 637-7426 x 201

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Brian H. Merriam, CPCU, ARM, AAI, President

Latest posts by Brian H. Merriam, CPCU, ARM, AAI, President (see all)

I recently read an editorial entitled, “Business Should Support Single Payer Health Care,” penned by a member of my native New York State Assembly. In his comments he stated, “Cost is the issue that compels me to support the single payer solution.” This Assemblyman went on to write such inaccurate,...

Controlling Health Insurance Costs

Despite the declarations of politicians, statistics show the cost of health insurance continuing to rise dramatically. Newton’s third law of physics, “for every action, there is an equal and opposite reaction,” applies in economics as well as physics. As our government continues to make “free services” available along with reducing payments, the costs are showing up in other areas. Quite simply, insurers are passing along the cost to the person who writes the checks. “Value-Based Purchasing” (kind-of a reverse version of pay-for-performance) and “Reduced Payments for Hospital Readmissions” are the two most

Same-Sex Marriages, Domestic Partnerships, and COBRA

Shannon McMeel

TPA Services Representative at Merriam Insurance Agency
376 Broadway
Schenectady, New York 12305

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

Send Email
Shannon McMeel

Latest posts by Shannon McMeel (see all)

June marked the anniversaries of two noteworthy United States Supreme Court decisions concerning same-sex American couples. On June 26, 2013, the Supreme Court held in United States v. Windsor that Section 3 of the Defense of Marriage Act—which provided that only opposite-sex individuals could be recognized as married “spouses” for...

New Ordinance in New York City Ensuring Pre-Tax Transit Benefits

Shannon McMeel

TPA Services Representative at Merriam Insurance Agency
376 Broadway
Schenectady, New York 12305

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

Send Email
Shannon McMeel

Latest posts by Shannon McMeel (see all)

Glossary of terms associated with a Merriam Auto Policy

The following are terms are associated with an Automobile Policy at Merriam Insurance Agency. Liability: A person’s responsibility to another for injury he/she caused or damages he/she caused to another’s property. Bodily Injury: Your insurance company will pay for Bodily Injury to another that you are legally responsible for because...