News from Trout Insurance

Manna Fundraiser Success

​Trout Insurance sponsored a fundraiser for Manna Foods on Saturday, October 26. Dave baked brownies and brewed hot apple cider. We matched donations of both food and dollars. We are happy to announce that we delivered 8 boxes of canned goods and $300 to Manna to help keep our community well fed. Many thanks to all who contributed!

Senior Fitness Resources

​Many of our insurance partners offer discounted or free memberships for folks on Medicare to attend local fitness facilities. These include the YMCA, YWCA, Gold’s Gym, Workout Anytime and many others. We work with Physio physical therapy on Merrimon Avenue, who offer a variety of classes and therapies, plus Haywood Regional Fitness, who features a great facility and super pool!

Find Out More: Fitness

New Benefits on Blue Cross Advantage Plans

​As we come into Open Enrollment for individual health insurance, Blue Cross is offering expanded benefits on their Gold and Silver plans–the first three visits to primary care doctors are covered at 100% with no Copay.

We are seeing premiums decrease and are very affordable on their Bronze plans. In many cases, the Marketplace subsidy is greater than the premium, so your monthly responsibility is zero.

Find Out More: Healthcare

Marketplace Subsidies and 2020 Income Estimate

​Healthcare.gov uses your “Modified Adjusted Gross Income" to calculate your premium subsidy. With tax reform passed by Congress in 2017, the 1040 return changed. Your Adjusted Gross income is found on line 7. If you or a family member on your return receives Social Security, the full value – line 5a must be added as well. And be sure to check with your tax or financial specialist.

Find Out More: Income Estimate

TriTerm Health Insurance Plans

For folks who do not qualify for premium subsidies, health insurance is expensive. One option may be a non–ACA plan. While these plans do not offer the same benefits, they may be the right fit for you. New is “Tri-Term" from United Health Care. Once underwritten, this coverage will renew without further health questions for a day short of 3 years. 

Find Out More: TriTerm

The Grandkids on Halloween

​Ben and Julie trick-or-treating in Weaverville, including our office on Main St.– where they know Dave is going to have some treats!