TROUT INSURANCE SERVICES
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Health Reimbursement Arrangements

Is Your Health Insurance Plan Up To Date?

In dealing with the rising cost of health care and insurance, we suggest the 80/20 rule:
  • 82% of US have annual medical expenses of less than $1000
  • 40% of US have annual medical expenses of less than $500
  • 33% have no medical expenses and only 11% have expenses of over $2000
 (American Journal of Health Policy)

Are you spending valuable premium dollars to cover health expenses which rarely happen?

Many of our clients are using a new cost effective approach to offering health insurance to their employees 
without a reduction in medical benefits.  The HRA (Health Reimbursement Arrangement) allows you to provide 
your employees the medical benefits they need when they need them: when there is a claim.  You reduce your 
overall premium expense and use the savings to help fund medical claims when and if they occur.  This 
approach is similar to a self-funding insurance plan used by large companies with flexible benefit parameters 
and minimal administration.  Depending on your situation, an HRA could be the best way for your business to 
address the rising cost of health care.

For Example:  An employer with 15 enrolled members changes from a $ 1000 deductible plan to a $ 2500 
deductible plan with a $ 1500 HRA benefit.  The employee is responsible for the first $ 1000 in claims.  The 
employer pays the next $ 1500 in claims (the HRA benefit).  After $ 2500 in claims, the deductible is exhausted 
and the coinsurance benefit is applied.

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These are actual figures from one of our clients.  We can help you set up an HRA to meet the needs of your 
business.  We offer HRA plans with seemless administration at no additional cost to you.  

“Our company has been working with Trout Insurance for the last five years.  They have worked consistently to adapt our benefits to fit our needs and control our premium dollars.  Even with our small company of five employees, Trout Insurance was able to save us over $18,000 for the upcoming renewal year.”   Dan English, Employee Administrative Services Inc.

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
​

[email protected]
Trout Insurance is an Independent Insurance Agency Based in WNC. 
Privacy Notice Statement  | Privacy Policy
Picture
“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.”
  • Insurance
    • Home & Auto Insurance >
      • Home & Auto Intro
      • Travelers - Customer Services
      • Hartford - Customer Services
      • Nationwide Customer Service
      • National General Customer Service
    • Health Insurance >
      • ACA 2025 Checklist
      • Blue Cross Blue Shield Customer Services
      • Aetna/CVS Customer Services
    • Medicare
    • Accident & Hospital >
      • Accident Plans
      • Critical Illness
      • Long-Term Care
      • Disability Insurance
    • Pet Insurance
    • Life Insurance
    • Travel Medical and Trip Protection
    • Dental and Vision
    • 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
    • David Hanson
    • Idelle Davids
    • Linnea Conway
    • Jan Trout
    • Steve Dillingham
  • Resources
    • Employee Success
    • Fixing the ACA "Family Glitch"
    • Medicaid Expansion
    • Client Center
    • Newsletter
    • Thank You
    • Reviews
    • Blog
    • Articles >
      • Fine Homes WNC
      • Privacy Policy
      • Insurance Partners
      • No Income Cap
      • ACA Income Verification
      • BCBS Online Setup
      • APTC Income 2023 & Tax Form 1040
      • Prior Agents
      • Lost Subsidy
  • Community
    • Built to Last
    • Candlelight Stroll
    • Music on Main
    • Goombay & YMI
    • Weaverville Primary Spring Fling
    • 50+ WNC Articles
    • Understanding Medicare 2024
    • Mural on Main Street
    • Alignment's 5-Star Switch
    • YMI Winter Coat Drive
    • Employer Networking w/ Just Economics
    • Blue Ridge Pride Festival
    • Medicare Seminar
    • Art in Autumn + MANNA
    • Western Women's Business Center Conference
    • Back to School
  • Contact Us