“I can’t afford it.”
This is one of the most common reasons people give for not having life insurance. But the truth is: It’s less expensive than you think.
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You can’t buy insurance for your home if your kitchen is on fire – the same applies to health insurance after March 31. What does this deadline mean for you? If you have not enrolled by March 31, you will not be able to obtain a compliant new health insurance plan until January 2015, except in a few special cases. Just like Homer - if he does not have insurance – it will not pay for the fire in the kitchen. Because the new health insurance plans are Guaranteed issue – No health questions - And No Pre-existing condition exclusions or limitations – you must Get Covered Now. If Not - then you will have to pay the full cost of medical expenses for the rest of 2014. After March 31 - You can buy new coverage only in a few special cases. These include: having a baby, getting married, losing the health insurance you already had – like thru employer group insurance or moving to a new coverage area or state. So … Don’t Say D’OH - There’s still time. Call us today and we can help you swim upstream out of the confusion, review your insurance needs and find a plan that is right for you! http://www.troutinsurance.biz/ dtroutinsurance@aol.com - Don’t be a Fish out of Water - Swim into Health Reform with Trout Insurance Call us today at 828.279.4681 This information is prepared for you as a tool for understanding health insurance and is not a guarantee of coverage or benefits endorsed by an insurance company. This is prepared by Trout Insurance for the sole means of education and is not meant as a promise or fact. Trout Insurance | PO Box 1414 | Weaverville, NC 28787 | http://www.troutinsurance.biz Many new ACA rules for individual plans mirror long-established rules for large group insurance. When you join a large company and have an opportunity to enroll in their insurance plan, you MUST sign up during their open enrollment. If you don’t, coverage will not be available to you.
This is the same with new plans, unless you have a quantified event, i.e., job loss, marriage, birth, etc. In this case, if you have NOT enrolled byMarch 31, you will NOT be able to obtain a compliant new health insurance plan until January 2015! So what can you do? If you don’t have qualifying insurance through your employer or you haven’t already purchased a plan through the Market Place, there’s still time. Call us today and we can help you swim upstream out of the confusion, review your insurance needs and find a plan that is right for you! We have all heard the stories about the new Healthcare.gov website and it’s opening delays and technical glitches. Millions of people are trying to logon and basically the system is overloaded. We have been successful in getting on, establishing an account and password, reviewing the plans and determining eligibility for tax credits. But - only after long waits and multiple attempts. This is important as it is the Marketplace which determines your Premium Discount - aka – subsidy – to reduce the cost of your insurance. “ So what do we do now ? “ We can start the process. Review your insurance needs and examine the plans which will best fit your needs. Help you calculate the income you will report on your 1040 tax return for 2014. Estimate your premium discount and what your monthly insurance costs will be. And then when the Marketplace is fully functional and working up to speed, it will be easy to create your account, determine eligibility and have that applied to your new 2014 insurance plan. We were humbled and honored to receive the Asheville Chamber of Commerce "Over the Top Customer Service" Award for 2010.
After eleven years now- we are proud to provide services to over 1200 clients and some 80 companies. We work hard to listen to the needs, goals and values of our clients and craft an effective plan of protection. And then - when claims occur - we help to make sure all is in order and advocate for our clients. I would like to say "Thank You" to each and every one of our friends who have placed their trust and confidence with us. Sincerely, Dave, Jan, and Ralph In July of 2009, Jan & Dave Trout hosted “A Fun(d) Raisin’", benefiting MANNA Packs for Kids, the Entrepreneurial Empowerment Fund of Mountain BizWorks and the educational programs of the Small
Business and Entrepreneurship Department of the Asheville Area Chamber of Commerce. It was an evening of great food and fun for great causes; we had a kicking cook out provided by Joe Lasher and Chef Allen Dye at the Crest Center, live entertainment and lots and lots of wonderful door prizes. We were celebrating 10 years in the insurance business and announced new staff members and the inauguration of Trout Insurance Services, offering home, auto and commercial coverage for individuals and businesses as well as life and health insurance protection. The event was a great success. We raised over $3,000 for our recipients. For a video by David Bonyun of Asheville Video Productions, please click here. |
Dave Trout
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