September 2005
Newsletter Volume 2, Issue 1
Our mission: To help people gain more value & understanding from their benefits.
In this issue:
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Roper Insurance & Financial Services, Inc.
9777 Mt. Pyramid Ct, Suite 110
Englewood, CO 80112
Phone: 303-721-1145
Fax: 303-721-1085
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303-721-1145
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719-634-6548
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1-877-ROPER1 (767-3711)
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602-254-2722
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702-647-7600
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Introducing the New Health Savings Account!
A new program has been created in the health insurance industry to help you take control of your health care expenses and reduce your overall health care costs. It is known as the Health Savings Account (HSA). What exactly is an HSA, you might ask? Simply put, it is a tax-favored savings account which continues to provide comprehensive, quality medical coverage. One of the best features about this program is that it is available to everyone (except those entitled to Medicare). In addition, the money in an HSA account can be used for any qualified medical expense not covered on the health plan, including the deductible.
To get the benefits of an HSA, the law requires that this account be combined with a high deductible health insurance plan, with an individual deductible of at least $1,000 or a minimum of $2,000 for the entire family. High deductible health insurance costs less than traditional $250 or $500 deductible coverage because the insurance company does not have to process and pay claims for routine, low dollar medical care. One may save a maximum of 100% of the plan's annual deductible or the IRS maximum of $2650 for individuals, $5250 for families. If you are 55 or older, you may save an additional catch-up amount in the HSA.
In addition to the many benefits already listed, the contributions to the HSA account are 100% tax deductible (like an IRA). Also, withdrawals for medical expenses are NEVER taxed. The HSA is an interest-earning account. Additionally, any funds left in the account at the end of the year may be rolled over to the next year's funds, so there is no risk for loss.
Overall, the HSA accounts are a great way to save for medical expenses, and it is never too soon to start saving! Please feel free to call the office at 303-721-1145 during normal business hours of 8:30-5:00pm Monday-Thursday or 8:30-4:00pm on Friday with any questions, and an expert customer service representative will be happy to assist you.
For more HSA information, visit our website at www.RoperInsurance.com and click on the HSA button.
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Simply refer someone you know to us and we will give you a
$5 gift card to Starbucks! EASY!
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Roper Insurance & Financial Services is looking for ways to help our clients! Do you have a business or a service and want to reach more people with FREE ADVERTISING? If so, Roper Insurance and Financial Services is the place for you! Your Success is our Success! Simply refer clients (either individuals or businesses) and we will advertise your company in this newsletter. To be included in the newsletter, please provide us with an offer or information of value that would benefit our clients. As a small token of our appreciation, this service will be COMPLETELY FREE to you! This way, you can help hundreds of people all at no additional cost to you! Call us TODAY!!!
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- 61% of adults with employer-provided health insurance say that if faced with
a choice, they would choose to have no pay increase but maintain their current
health insurance benefit, compared to 56% who felt this way in 2003.
- 43% adults with employer-provided health insurance say their health insurance
benefits have gotten worse over the last two or three years
- 14% who say their salary has gotten worse and- 18% who say their retirement benefits have gotten worse.
- 35% say maintaining their current benefit level is more important, an increase
of six percentage points from 2003.
- 29% say they would choose to get a decent pay increase and take a
significant cut in their health insurance benefits.
If faced with significantly higher out-of pocket costs for healthcare, adults with employer-provided health insurance are more likely to try to save money elsewhere to help cover these costs (40%) rather than curtail their use of healthcare services or products (20%) or search for less expensive coverage (26%). These adults say they would be most likely to try to save money by:
- 19% would put more money in a health savings or reimbursement account
to prepare for future healthcare expenses.
- 11% are not sure what they would do.
The Harris Interactive® online survey of 2,299 U.S. adults was conducted between July 22 and 26, 2005 for The Wall Street Journal Online's Health Industry Edition.
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Roper Insurance has welcomed 4 new employees to its
expanding team to serve our clients better!
Leeat Felcher lives the urban life in a beautiful downtown loft. She has been with the company since July 2005. She was born in Denver but raised in the South of France. Prior to joining the Roper team, Leeat co-owned a cosmetic manu-facturing company which she still runs. She graduated from the University of Colorado with a BS in Chemistry and a Minor in Mathematics. Leeat enjoys traveling, especially around Europe and the Middle East, and hopes to discover the picturesque landscapes of Asia sometime. She is fluent in both French and Hebrew, and enjoys learning new languages in her spare time. Her next challenge is to learn Turkish! She is friendly, efficient and would love to provide you the best customer service she has to offer!
Rita Gomez is a Highlands Ranch resident AND native Coloradoan!! Prior to joining Roper Insurance, Rita worked at Merrill Lynch for 10 years as a Financial Planner for their Financial Foundation Department. She has a B.S. in Finance and Management from the University of Northern Colorado . In her spare time, Rita enjoys spending time with her family. Rita is very personable, professional and would love to offer assistance to you today!
Karena Lyman is the newest team member, and started in July 2005. She has over 6 years of retail and management experience, and is very excited about starting a new career in the Insurance field! She grew up in Seattle, Washington and moved to Colorado almost 10 years ago. She still misses the rain of Seattle, but loves the many beautiful seasons here in Colorado . She has been very happily married to her high school sweetheart for 4 years now. Their large, energetic Alaskan Malamute keeps her and her husband busy at home, especially since he thinks he is much smaller than the 90 pounds he is! Karena's interests include the outdoors, snowboarding, camping, hiking, shopping, arranging flowers, animals, spending time with family and helping others. She is very personable, friendly and easy-going and would love to help YOU today!
Ashleigh Morris has been with the company since February 2005. She is currently attending the Community College of Denver, pursuing her Neonatal Nursing Degree. She also models in her spare time. She lives in Littleton with her boyfriend and her Black Lab, Shelby. She also enjoys fixing up their house. She is very adventurous and will try anything once. She likes to snowboard/ski in the winter, and loves to travel to the beach in the summer. She loves to cook and therefore, also loves to eat. She goes camping, fishing, boating, and 4 wheeling nearly every weekend year round. She loves to spend time with friends and family. She also loves to dance and sing, which she might pursue one day, so make sure to remember her name! Ashleigh is a very upbeat and happy individual. Call her today!
We are also pleased to announce that Bob Griggs, CLU, ChFC will be joining our team in September in Client Services. Bob has almost 35 years of Insurance experience. He will be helping clients to assess personal and business insurance needs, Long Term Care, Life Insurance, and Estate Planning. If you have a question in these areas, please give Bob a call. We are excited for him to be joining our team in September and know he will do great things!