If you have received Unemployment Benefits for at least one week in 2021 - You may be eligible for a Zero Premium "Enhanced Silver" Marketplace Health Insurance plan.
Now and until August 15th - you may apply for this benefit through Healthcare.gov
NEED HELP? As licensed agents -we work to provide the best insurance plans for you and your family. Trained on the Marketplace, we have done this literally thousands of times over the last 8 years, AND....there is NO additional costs to you.
The Health Insurance Marketplace announced a "Special Enrollment Period" on February 15th. Since then, the agents at Trout Insurance: John, Jeremy, Jessica, and Dave have worked helped over 500 folks connect with new coverage options and reduce their premiums. And until August 15th, consumers still have the option to take advantage of these positive changes! We are proud to bring increased coverage and value to our clients.
Click here to learn more about how Trout Insurance can help.
Regardless of what Thomas Wolfe wrote "You can go home again." Roxanne Turpin, our graphic artist and painter of the mural; Jessica Cody, our lead agent and General Manager; and Jennifer Trout-ALL attended North Buncombe High and have returned to do great things in our community.
Katherine will be attending UNC-Chapel Hill in the fall.
We wish you Much Success!!
Another great job by our friends Arlene & Ed Sullivan at Signarama Asheville. They did our new office sign last year and now the new truck. Dave is "Back on the Road Again!"
Check out their website and see how they can help your business stand out here.
Congratulations to Chris Taylor and our friends at Physio Physical Therapy & Wellness on their Sky High Growth Award
Trout Insurance is proud to have expanded the health coverage for our community this year. Now, more than ever, it's important to have protection you can count on. As an independent agency we're able to compare plans for the best value and services; we are happy to receive this award to be part of the Elite Marketplace Circle of Champions.
This year you will have more options from Healthcare.gov when selecting the right health insurance coverage for you. With more carriers to choose from, our experienced and certified agents are here to help you find the best plan for your needs and budget. Our agents have been navigating the marketplace since the beginning and there is no added cost to having a personal agent! We are independent which means we can shop and compare different carriers on your behalf.
Read more about how Trout Insurance can help you select the best Health Coverage for 2021 via the Affordable Care Act on our ACA page here, with advice for estimating your income and more.
Our agents are standing by to serve you! Call on our experience today: Dave Trout, Jessica Cody, Jeremy Sheridan and John Phillips are local to WNC, certified and independent!
Fall is finally here! It's a great time to prepare your home for the cooler months ahead
Five ways to improve your home for the fall season:
1. Clean your gutters!
Learn how to clean your gutters through tutorials or hire someone to clean out those gutters of yours!
2. Fix your windows and doors to avoid having drafts.
Check all of your windows and doors to prevent drafts throughout the season, there are plenty of ways to fix drafts on a budget!
3. Pile O'leaves!
Investing in a leaf blower or rake is an important factor with all the leaves falling. Keep your yard tidy and have a pile of leaves to jump in!
4. Fireplace clean up.
Having an inspection on your fireplace is up to code to ensure safety when the temperature starts to drop.
5. Garage Arrangements.
If you have a garage, make sure to mount items high on the walls so you're able to fit your cars in for this fall season!
For more information on home insurance, visit Trout Insurance's Home Insurance page today!
Highlights: For Our Medicare Clients with Stand Alone Medicare RX plans or Medicare Advantage plans.
For help - Call your Trout Insurance Agent. Main line: 828.279.4681
Over the next few months, you’re probably going to receive a lot of information about Medicare. It’s all meant to help you understand your coverage choices and make informed decisions during the Medicare Annual Enrollment Period (Oct. 15 – Dec. 7). There is one piece of Medicare mail, though, that you want to be sure to read. It’s called the Annual Notice of Change, or ANOC for short, and it comes from your current Medicare plan provider. Delivered by September 30, ANOC letters ensure that plan members have up-to-date plan information before the Medicare Annual Enrollment Period begins.
Your Medicare Advantage or Medicare Part D prescription drug plan ANOC provides important information. It can help you decide whether to keep your current plan or look for a new one during the Annual Enrollment Period. Here’s what to look for when you get your ANOC, along with questions to help you understand plan changes and what they may mean for you.
Provider network changes:
Drug list and pharmacy network changes:
Check with your plan if you are unclear about anything in the ANOC or if you did not receive an ANOC letter. You can call the customer service number on the back of your member card. Your Medicare plan details may change every year.
Medicare Advantage plans and Medicare prescription drug plans are offered by private insurance companies under contract with Medicare. Each year, they review their plan details each year and make changes as needed to better serve plan members. Take time to Review your Plan. You don’t want to be caught off guard by higher costs or coverage changes after January 1. And whatever your decision may be—to stay with your current plan or to explore other Medicare coverage options—you want to make it based on the facts.
1. Know the Law
Having the knowledge of knowing the laws where you live is important and gives you a better chance of them working for you instead of against you.
2. Rating System
People are evaluated for coverage based on a rating. Generally, insurance companies use predetermined factors to generate a rating, however; companies have their own standards to uphold against the rating system. Accident history, age, and even where you live are other factors an insurance company considers when giving you a quote for a policy.
3. Get Discounts
You never know until you ask your agent about different discounts that are offered for things such as military service or an association with a financial institution.
4. Do Your Research
Ensuing that you choose the right insurance company to help you through your auto endurance is essential. Before signing up for the cheapest, quickest, and easiest plan, make sure you have the best coverage that is right for you.
5. Types of Coverage
There are different types of policies that may be a better fit for your vehicle. There may be a policy package that fits what you are looking for better, without you knowing it.
6. No-fault States vs Tort States
It is important to check if the state you live in keeps “No-fault” or “Tort” laws for car insurance. Non-fault” means the insurance company sends a check for overall damages regardless of who is at fault. Tort on the other hand, offers three types of insurance related to bodily injury, vehicle damage, and uninsured motorists.
7. Finding Insurance
Finding an insurance company that is easily accessible in your area might be the best option for you. Usually, you can find these insurance agencies through word of mouth, the internet will also assist in helping you find the right company.
8. Fact Checking
It is good practice to be familiar with your insurance agent and ask them the questions about being cited for a scandal. Making sure that you verify a company's legitimacy with the state is a strong precautionary measure.
9. Read the Fine Print
Making sure that you read the fine print of your policies from your insurance company to know all that you are paying for.
10. Policy Anniversary
If you committed to a policy for a year and it is time to renew, make sure you aren’t qualified for a better policy that might not have been available when you first received your policy. Making sure that you stay informed and being familiar with your insurance policy will make things a lot easier in the long run.
Want to know more about car insurance? Contact a Trout Insurance agent today!
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