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Watch Roscoe on the Wealth Channel

Listen to Roscoe in an emotional Video for the Wealth Channel where he discusses the moral issues surrounding Persistent Vegetative States. Roscoe Douglas CLU, RHU, is a Partner with UnionServices.com and Presdent of First Benefits, inc.

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Insurance News

  • How Much Can You Save with a Higher Deductible Health Insurance Plan?

    We spend a lot of time talking about how you can save money by raising the deductible on your health insurance plan. In case you're still skeptical, let's go over some real numbers from an online quote engine so we can see how a high deductible health plan (HDHP) works in action.

  • How to Tell If Your High-Deductible Health Plan Is HSA Qualified

    Employers offering a high deductible health plan (HDHP) have several ways to supplement the low-coverage and make the benefit more meaningful. One way is to offer a group coverage HRA (GCHRA) which enables employers to reimburse employees for out-of-pocket expenses. Another is to offer an HSA alongside the HDHP.

  • High deductible health plan: is it right for my organization?

    Employers have a number of health plan options to choose from when it comes to offering a health benefit to employees. One option is a high deductible health plan (HDHP). Although its benefits appeal to a select group of employers, an HDHP can be a valuable tool in an employer's health benefits toolkit.

  • Business owner eligibility under a group coverage HRA [infographic]

    A group coverage health reimbursement arrangement (GCHRA) is a health benefit for companies of all sizes looking to supplement their group health insurance plan costs by reimbursing employees for out-of-pocket expenses. When researching this type of arrangement, some business owners may wonder "Can I participate, too?"

    As with many IRS rules, the answer depends. In the infographic below, you can see what kinds of business owners are or are not eligible to participate in the GCHRA and when.

  • What to look for in HRA administration software

    The increasing popularity of health reimbursement arrangements (HRAs) has made it clear that they're a great option for reducing costs and offering health benefits. By selecting the right HRA software administrator, you can take advantage of maximized cost savings while keeping administration simple. Here's a checklist of features to look for in an HRA software provider.

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