Why You Need Insurance
If any of the following quotes seem familiar - you may be in need of some or even more insurance protection.
"Sure, it's fireproof."
"He's probably just hibernating."
"What does this button do?"
"It's probably just a rash."
"You're sure the power is off?"
"The odds of that happening have to be a million to one!"
"Pull the pin and count to what?"
"Which wire was I supposed to cut?"
"I wonder where the mother bear is."
"I've seen this done on TV."
"These are the good kind of mushrooms."
"I'll hold it and you light the fuse."
"Let it down slowly."
"It's strong enough for both of us."
"That didn't taste right."
"It's not that much snow."
"I can make the light before it changes."
"Now watch this..."
"I can do that with my eyes closed."
Effective insurance protects good people when dumb things happen.
Call Dave to review your coverages today.
Of course, because spring is a time for new beginnings, cleaning and organization around the house are very popular this time of year. If you’re ready to tackle that monumental chore, read on for some helpful information. (And if you’re so tidy and organized throughout the year that spring cleaning isn’t a big chore for you, well, keep that to yourself! Unless you want your friends and neighbors to be jealous, that is.)
Take it one room at a time. Deciding to clean or organize your entire home can quickly get overwhelming. If you focus on just one area or room, then move to another only when you’re finished, you’ll likely work more efficiently.
Follow the six-month rule. Generally, if you haven’t used something in six months (with the exception of seasonal items), it’s a good idea to consider throwing it away or donating it.
Don’t forget the kitchen. Just like other rooms, your kitchen likely has things that haven’t been used in some time — and this includes food in the refrigerator or freezer. Give those appliances a thorough cleaning and get rid of anything you won’t be eating.
Set yourself up for success. Paper clutter is something we all could probably cut back on pretty easily. Setting up a few recycling bins throughout the house gives you a convenient alternative to just setting that old magazine or paperwork down somewhere and watching the pile grow.
Make some money! Of course, the spring cleaning garage sale is a tradition for many homeowners, and can be a great way to bring in some extra income. Talk about a win-win situation — you get rid of stuff you don’t need, and someone pays you for it!
Stay safe. When you’re cleaning or maintaining your home, be mindful of the physical risks involved. Lift with your leg muscles, not your back. Avoid prolonged repetitive motions. Use ladders, lawnmowers and other dangerous tools with caution.
For further questions and assistance, please contact Dave Trout at Trout Insurance 828.279.4681 or email@example.com
For each of our neighbors in North Carolina, the right life insurance will be unique for you and dependent on your personal and financial needs. As your life changes, your life insurance coverage may need to change in order to adapt to your current needs. Some life transformations that may require a policy “tune-up” and our help at Trout Insurance include:
Missed Open Enrollment ? Frustrated by Higher Premiums ? Not Eligible for Premium Subsidies ?
As insurance professionals, we are always looking for options for our clients. Short Term Medical -- These plans stand outside the new requirements of the ACA. You must answer health questions and coverage may be declined. Pre-existing conditions - any treatments, diagnosis - within the last 12 months are not covered.
But if neither of these apply - good potential savings.
We call this the "Not ObamaCare " ...read more about "Not ObamaCare"
Consumers Cut Costs By Combining Limited Coverage Health Plans, Despite Penalty Risks
Status of your 2016 BCBSNC Subscriber ID cards
Your current BCBSNC premium amount may not be correct
The ID card you received may not work. If you find that it is not working or the ID number in your online Member Services number is not working, you will automatically receive a new one in the mail before the end of the month. BCBSNC changed their operating system and ID cards from the old system were automatically generated and mailed. Now the new operating system is generating new cards. We do not know which one you received at this time. BCBSNC asks that you wait for your new card IF the 2016 card you received is not working.
In this process, providers have 180 days to file a claim for reimbursement. Please ask your provider if they will provide the service and bill once the correct ID card is received. If not, you may have to pay out of pocket now and be reimbursed when you receive your correct card.
In addition, your bill may also be incorrect. BCBSNC is also aware of this and is working on resolving this issue as well.
We agree that this is a very unfortunate position to be in. Please know that we are in constant communication with BCBSNC will let you know as soon as we have any new information.
BCBSNC has issued many press releases in the media over the last few days apologizing and explaining. Please click their link here. http://blog.bcbsnc.com/2016/01/we-apologize-for-our-service-challenges-and-appreciate-your-patience/
Just the Facts...What you should know about the fee for not having health care coverage when you can afford it.
Here are 5 facts you should know about the fee for not having health coverage when you can afford it:
ASHEVILLE, N.C. -- The cost of health insurance continues to rise despite the efforts of the Affordable Care Act.
Now, some healthcare providers are teaming up to develop a new lower cost way to offer coverage. Health insurance premiums on average next year are jumping about 10 percent across the nation, according to the Kaiser Family Foundation. READ MORE...
OPEN ENROLLMENT BEGINS NOVEMBER 1ST....
...and lots of folks have question about The Health Insurance Marketplace. We're here to help!
Dave Trout will be hosting 2 seminars to provide you with answers.
We will discuss -
WHEN: Thursday, Oct 15th
TIME: 5.30 pm
WHERE: Jubilee Community meeting room
(Please enter at the Patton Ave entrance, next to Jack of the Wood.)
No registration is required –
but we would like to get an idea of attendance.
WHEN Friday Oct 23rd
TIME: 11:30 am – 1:30 pm
WHERE: ABTech – Small Business Center
A Prescription for a Stronger Economy
An integral part of the Affordable Care Act has been the expansion of Medicaid to qualified individuals primarily on the basis of income. As a result of the Supreme Court ruling in 2012, North Carolina was allowed to opt out – impacting availability of healthcare to lower income folks.
Dave has been a part of a local Medicaid expansion group for three years. This Friday – we are hosting a presentation by Susan Shumaker, President of the Cone Health Foundation. A prescription for a stronger economy -- why closing NC's health coverage gap will boost employment and economic activity If you are interested in attending, please click here:
Trout Insurance is a sponsor of this important presentation.