TROUT INSURANCE SERVICES
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DOCTORS "IN-NETWORK"

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Click the buttons below to see if your doctor is listed for your insurance company.
A key factor in choosing your health insurance for 2017 is confirming the doctors, specialists and hospitals that you regularly use are " In- Network " with the insurance company.  You may check the latest information the insurance company have posted to their websites here.  

Important - if there is a doctor with whom you are working now, especially for a serious situation: we strongly suggest you contact that office directly to confirm. 

Some explanations:

PPO  -  Preferred Provider Organization  -  The insurance company has a direct contract with that medical practice.  No referrals required for specialists.  PPO plans normally have Out of Network coverage.  

PPO Select  -  Doctors and Specialists are " tiered " , higher  Copays and/ or deductible if you use a Tier 2 as compared to
Tier 1. 

POS  -  Point of Service  -  Similar to PPO,  You choose a Primary Care Doctor, but referrals to specialist not normally required.  Out of Network Coverage may be restricted.  

HMO  -  Health Maintenance  Organization  -  You have a Primary Care Physician.  Referrals to In-Network Specialists are required. No Out of Network coverage. 

Out of Network -  if offered by the insurance company, you would pay a higher Copays and/ or deductible.  And these expenses add up to a separate Out of Network deductible and Out of Pocket Limit. 

Emergency Care -  Defined as " The Prudent Person " rule -  a medical situation for which a prudent person would seek immediate medical treatment.  Having a heart attack, broken arm, even a bee sting if allergic would apply.  These medical expense claims would be treated as " In -Network ".  Having a bad cold or minor laceration would not apply.

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Blue Advantage  POS -  broad network with  In and Out of Network coverage 

Blue Select  -  Tiered POS  with  In and Out of Network coverage
Learn More
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Trout Insurance Services

Monday-Friday
9:00am-5:00pm & by Appointment


​Visit: 29 N Main St
Weaverville, NC 28787
     
Mail: PO Box 1414     
Weaverville, NC 28787  
Ph: 828.279.4681
​
Fax: 1.888.221.4842
​

contact@troutinsurance.com
Trout Insurance is an Independent Insurance Agency Based in WNC. 
Privacy Notice Statement  | Privacy Policy
“We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or call 1.800.Medicare to get information on all of your options.”
Trout Insurance is an independent authorized agency licensed to sell and promote products from Blue Cross and Blue Shield of North Carolina (Blue Cross NC). The content contained in this site is maintained by Trout Insurance. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association. ®, SM Registered marks of the Blue Cross and Blue Shield Association.”
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  • Insurance
    • Home & Auto Insurance
    • Medicare
    • Income Protection >
      • Disability Insurance
      • Long-Term Care
      • Critical Illness
      • Annuities
    • AARP - Hartford
    • Life Insurance
    • Health Insurance
    • Dental, Vision, Accident >
      • Cigna Dental, Vision, & Hearing
    • Employee Benefits
    • Business Owners >
      • Group Health Insurance
      • Commercial Property & Liability
      • Business Overhead Expense Disability
      • Disability for Business Owners
      • Critical Illness
    • Short Term Health
  • Trout Team
    • Our Story
    • Dave Trout
    • Jessica Cody >
      • Home & Auto Insurance
    • Jeremy Sheridan
    • Robert Pugh
    • David Hanson
    • Jennifer Trout
    • Idelle Davids
    • Jan Trout
    • Steve Dillingham
  • Resources
    • Employee Success
    • Fixing the ACA "Family Glitch"
    • Aetna/CVS Health NC
    • Client Center
    • Reviews
    • Blog
    • Articles >
      • Health Insurance 2022
      • Friday Health
      • Comparing 2022 Plans
      • Insurance Partners
      • Best Value Insurance Plans
      • ARP Facts CMS
      • ARP Unemployment
      • ARP 2020 Excess Premium Subsidy
      • No Income Cap
      • Unemployment Glitch
      • Asheville Homesharing
      • 2019 Verification-a
      • BCBS Online Setup
      • APTC Income 2023 & Tax Form 1040
      • Lost Subsidy
      • Privacy Policy
  • Community
    • Alignment Town Hall
    • Employer Networking w/ Just Economics
    • FALLing with Families
    • Medicare New Era Event October 13th
    • Blue Ridge Pride Festival
    • Health & Wellness Fair
    • Goombay & YMI
    • Alignment Health Plans
    • YMI Winter Coat Drive
    • Medicare Seminar
    • Art in Autumn + MANNA
    • Music on Main
    • Western Women's Business Center Conference
    • Mural on Main Street
    • Expanded Team- Next Generation
    • Back to School
    • Weaverology
    • Mother Earth Food
  • Contact Us