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First day of Open Enrollment with Marilyn BallĀ 

12/29/2014

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As Open Enrollment for Health Insurance via the Affordable Care Act / ObamaCare started this Saturday, I knew it was time to take the plunge and get onboard. But this was new and uncharted territory for me and frankly a confusing situation. Is it a website? Or insurance? What about the tax credits and how does the premium discount work with my income? I had a lot of questions. So I called my agent Dave Trout. Since we had worked together since 2009 I knew he could help me.

Dave suggested we get together on Saturday, the first day Healthcare.gov opened up. Would it be a train wreck like last year?  Dave assured me everything was working well, and he should know. He’s appointed with all the insurance companies, certified by the Marketplace and helped over 400 people last year. 

The good news? Everything worked! I now have a plan to meet my needs at a premium to fit my budget. With Dave’s help, I now have a good understanding of how the Marketplace works and am better informed about my premium discount tax credits. It’s so refreshing to have Dave as my agent and know that he and his team will be there whenever I need them. 

If you need help with the ACA / ObamaCare, I highly recommend you give Dave a call.
  

 Marilyn Ball is our FIRST enrollee for 2015. She is the owner of 12Twelve Marketing, a very successful local firm, 
and hosts a weekly travel radio program “ Speaking of Travel “  on WZGM, 1350 AM.  You may listen to past shows here.


READ MORE...



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Last Week to Update Your Insurance Plan

12/8/2014

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Keeping You Up-To-Date...


Last Week To Update Your Insurance Plan

Greetings!

As  December 15 approaches -  this is the last week to update your Insurance plan and Premium thru Healthcare.gov for January 1, 2015 effective date. 

As you have seen in letters from Blue Cross -  your insurance premium is increasing.

So what to do -  "Update your Premium Discount Tax Credit"  thru Healthcare.gov -  The Marketplace 

If your 2014 income is the same for 2015 -  then your premium discount tax credit will increase -  your net premium monthly should be just a few dollars more.

 The EASY way:
  • Just call The Marketplace - 800 - 318 - 2596.
  • Tell them your income for 2015 will be the same as 2014
  •  Keep your same plan.
You may also do this online -  See guideline here 


After you have renewed your account for January 2015 -  as your certified Marketplace agent, I will see  your Marketplace transaction and the update. We'll have time to provide them any other additional information such as income verification as we move into 2015.

If you have already completed this -  Great Work!  And for those who have not -  the feedback from other clients confirms this is fairly  easy and their premiums for 2015 rose only slightly.

  

NEXT STEPS...  

1.Call the Health Insurance Marketplace to update your account 800-318- 2596    
                                          ( Open 24/7 )

2.After you identify yourself - tell them you would like to update your income and Premium Tax Credit for 2015

3.Tell them your projected income for 2015 - this should be Adjusted Gross - line 37 on your 1040.

4.Important - if they ask if your income will be the same as 2013 - Say " NO " - again ask that they use your estimate for 2015.

5.They will update your eligibility and tell you what Premium Tax Credit you will receive for 2015. It should be close to the calculation above.

6.Ask that they apply this to your same plan as 2014.

7.Please email me and let me know that you were successful here.

We appreciate your patience  as we help all the many folks we have been so fortunate to work with as new and returning clients.  Appreciate the opportunity to be of service to you.

Many Thanks ....d 

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    CONTACT ME

    Dave Trout
    828.658.1472

    Trout Insurance

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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
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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 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
    • 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's 5-Star Switch
    • 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