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!
1. You save big on annual eye exams.
Having a vision plan usually includes an annual eye examination. The exam may be free or cost a small fee and is focused on glasses, contact, or general eye health. Many don’t know, but you can save $100 or more on your eye exam each year with your vision insurance policy.
2. There are two main types of vision insurance.
Having a group plan gets you a group discounts, simplifies the application process, and can be attained through your job, association, and other groups. Even if your employer doesn’t offer group vision insurance, you may be able to qualify.
4. There are many ways to save through a good vision plan.
Receiving an annual eye exams isn’t the only way to save money with your vision insurance. By looking into your vision plan, you can find many different discounts. These discounts can be applied to, but are not limited to: glasses, contacts, LASIK, and optical lab work.
5. Insurers typically provide quality assurance services to members.
The good news about vision coverage is that insurers usually have a quality assurance service to facilitate resolutions of the questions, worries, or complaints.
For more information about how vision insurance works or are interested in a plan, please contact a Trout Insurance agent today!
Did You Know There are Three Types of Comprehensive Wellness Visits Available to Medicare Beneficiaries?
1. Disability statistics tell a story.
According to the Council for Disability Awareness, some of the most common reasons for disability include back injuries, cancer, heart disease, and other serious illnesses. When a long-term disability occurs, the average time of absence from work is approximately three years. With no pay check and security, most workers feel that they are put into a financial pinch.
2. Disability benefits can be used for any expense.
Disability is a wise thing to have, even if it's not required. It allows you to receive a portion of your gross income, this can be used and spent any way you'd like. You could use disability benefits on things such as mortgage, rent, everyday expenses, credit card payments, and so much more.
3. Disability insurance is for all workers.
It is not required to have a high gross income to have disability insurance, coverage is suitable for anyone who relies on their income to pay their living expenses. Having an illness or injury could mean having medical bills and other expenses, for these reasons, just about anyone who works should have a disability policy.
4. You can purchase your own disability insurance.
If you don’t have the option of getting a disability policy at work, you may be able to purchase disability coverage on your own. In general, your health status will be a factor in the premiums charged for an individual disability policy. Having your own coverage gives you the flexibility because it typically stays with you if you need to change jobs.
5. There are different types of disability insurance.
There are two main types of disability policies:
6. Disability insurance comes with different protection features.
There are other benefits that you may be able to purchase at an additional cost with your disability insurance policy consist of (but are not limited to):
If you have any questions about your disability insurance policy or want to your own, contact a Trout Insurance agent today!
1. Yearly Maximum
Your yearly maximum is defined as the most money that the dental insurance plan will pay in order for your dental plan to work within one full year. This amount can vary for different insurance companies and is usually renewed every year at the beginning of the year. If you have not used all of these benefits they will not roll over into the new year. Make sure you utilize all of the benefits while they are still active.
The deducible is the amount of money that you must pay to your dentist out of pocket before your insurance company will pay for any services. These fees can vary from one plan to the next depending on which in or out-of-network you choose. Your deductible starts over when your plan rolls over.
If you are paying your dental insurance premiums every month, you should be using your benefits. Even if you don’t need any major dental treatments, you should always get routine dental cleanings to help prevent major dental issues and have early detection of cavities, gum disease, oral cancer, etc.
4. Fee Increases
There could be an increase in fees due to dentists raising their rates at the beginning of the year due to a rise in cost of living, materials, and equipment. This in turn can increase their copay, if you need to see a doctor for any reason, you should do it while your current rate and copay remain the same in order to dodge the increase of copay on the doctor's end.
5. Dental Problems Can Worsen
When you delay dental treatment, you are risking more extensive and expensive treatment down the road. What may be a simple fix now, can turn into a more complicated issue later. Often you find that many people ignore and leave dental issues alone until they become worse than the original problem.
For more information on finding or switching to a dental plan that is right for you, contact a Trout Insurance agent today.
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