Greetings …We will have MANY choices for insurance companies for folks who buy their plans through the Health Insurance Marketplace/ Affordable Care Act/ ObamaCare. In our Western NC region - there will be a Total of 124 Plans !
BCBSNC | Oscar Health | Bright Health | Ambetter | United Health Care
And two new companies - Friday Health & Aetna CVS
How To Decide If I Should Change?
First - 2022 Subsidy - We need to see your actual NET premium after your Premium tax credit. This is based on your estimated family income for 2022. Marketplace uses MAGI - That’s Line 11 on the 1040. Look at this first and think about what it will be in 2022 !
Second - Bronze, Silver & CSR’s - All ACA plans are graded into “ metallic levels “ – which work to compare the relative “ horsepower “ of these plans. But all plans within a level are not the same! Some have no copays until the deductible is met, same with Rx which could be a different amount. Or – no deductible at all – you just start paying a percentage from the get-go. And if you are of more modest income – below 250% of Federal Poverty Level- you may qualify for Cost Sharing Reductions on Silver plans; lower copays, deductible and out of pocket maximums.
Third - Your Doctors - Many of the companies are HMO – that is “ In Network only “. Are you happy with your primary or specialists? Would you want to change doctors, and would your new one accept your coverage or even you? Many doctors are not adding new patients. Overall, most of us want the most choice and flexibility with our medical care.
And Fourth – Extras Are there any additional benefits you are looking for ? - Some plans are adding preventative dental to the plans themselves – no extra cost. Others have convenience of a local “ Health Hub “ or tele -medicine. Unlimited primary care doctor or mental health visits at zero copay. Zero or low copay for generics. We need to look at how you use health care and then how you want your insurance to work
NEXT – After November 1 - We’ll be able to see all the plan options and what your actual premium would be with the updated subsidy amounts. We’ll be sending you specific information for you and your family. You can update your information for us HERE
AND - We welcome the Opportunity to work with other people you know. Please forward them this email and we can get started!
We appreciate the opportunity to work with you over the years.
For a more detailed breakdown of the information below, click here
Each year, your Medicare Advantage and Medicare RX plans will change and update their benefits for the upcoming year.
For Medicare RX plans – these include
Premiums, Rx deductibles and copays, and Rx tier details
Look for a thick envelope like this...
BE SURE TO OPEN IT!
And Then - Look for "Summary of Important Costs for 2022"
This will highlite Changes for 2022 in your current plan.
What’s Next ??
We’ll be sending you email with how we can help you. Especially reviewing your Prescriptions and how they will be best covered for 2022. We have new tools and software.
AND – For Medicare Advantage plans
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.
This weekend is the annual Art in Autumn in Weaverville, NC. We'll be there to take part in the festivities and answer any insurance questions you might have. Also, we will be taking canned food and monetary donations to help support Manna Food Bank. Those who donate will be entered into our raffle to win a Local Arts Gift Basket. Come join in on the fun and help support local artists and the community. Discover more about Art in Autumn and Trout Insurance here.
The YMI Cultural Center will be hosting the annual Goombay Festival during the weekend of September 3-5, in downtown Asheville. The YMI Cultural Center is one of the oldest Black cultural centers in the United States, and is a local landmark within the City of Asheville. This year's festival will be the 40th anniversary of the event and will feature dancers, rhythm bands, a kids area, and more. The festival will also showcase and promote the historical legacy of the "Founding Fathers" in a nod to the city's entrepreneurial African Americans.
Trout Insurance is proud to be a part of this great Asheville event. We will be providing information on new health insurance plans and companies as well as new discounts for auto and home insurance. Mark your calendars and get ready to join in on the fun.
To find out more about the Goombay Festival or the YMI Cultural Center, click here.
If you would like to learn more about Trout Insurance Services, click here.
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.
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