Arcuri & Associates
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Many people find themselves in situations they are unprepared to handle in regards to government healthcare. We have listed some of the helpful links you can use to answer some of these questions you may have. Medical Insurance can be very complicated, you need someone to help you understand what you are receiving in exchange for your premium dollars.

We are here to help make the language easier to understand and to help with everything from consulting to claims. Retirement can be exciting! It can also be overwhelming due to numerous health and financial decisions that need to be made. Health Insurance may be the #1 priority to most when they decide to separate from employment. Everyone wants to maximize benefits for the smallest premium available.

We are Arcuri & Associates Assurance Agency, Inc., an Employee, Employer benefit consultant and brokerage that sells benefit products and advises clients from 1 to 2000. We have been incorporated since May of 1996 and our founder entered the employee benefit field in 1971 in East Liverpool, Ohio.
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Medical Insurance can be very complicated and you need someone to help you understand what it is that you are receiving in exchange for your premium dollars.
We are here to help make the language more easily understood and to help with everything from enrollment to claims, to quoting and consulting.
Whether it be fully insured or self funded we can help with the creative ways to fund a plan.
We also can help you with dental, vision, life, short and long term disability insurance.
Do you want to fund thru an HRA or an HSA?
I am a piece of paper, a drop of ink and a few pennies of premium.
I am a promise to pay.
I help people see visions, dream dreams, and achieve economic immortality.
I am education for the children.
I am savings.
I am property that increases in value from year to year.
I lend money when you need it most, with no questions asked.
I pay off mortgages, so that the family can remain together in their own homes.
I assure people the daring to live and the moral right to die.
I create money where none existed before.
Retirement can be exciting!
It can also be overwhelming and maybe even a little bit scary due to numerous health and financial decisions that need to be made.
Health Insurance may be the number 1 priority to most when they decide to separate from employment.
Everyone wants to maximize benefits for the smallest premium available.
But how?
It seems like there are two to three "offers" in the mail and even more on the television every day.
How will you decide?
Allow us the opportunity to share the options that are available to you as we discuss your every question and concern.
As an employer, you play a big role in carrying out health care reform.
You have a lot to know, much to think about, and many choices to make.
Only by understanding your choices can you decide what's best for your workers and your business.
This guide will help you understand the health care reform rules that affect you.
Keep in mind that the law is complex and the rules are still changing.
The Affordable Care Act (ACA) Imposes a penalty on large employers that do not offer minimum essential coverage to substantially all full-time employees and their dependents.
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