TROUT INSURANCE SERVICES
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SHORT TERM POLICIES
An Insurance Alternative To The  Marketplace ACA Health Insurance Plans

Has your success priced you out of being subsidy eligible?

Does your spouse have Group Insurance and it’s just too expensive to add you?

Retiring before Medicare and need coverage to bridge the Gap?

Need More "Catastrophic" coverage to protect your bank account from the “What If’s"?

"Short Term Plans" may be an effective option for you.  *NEW* Plans can last just shy of Three Years in North Carolina. And NO individual mandate penalty!
These plans stand outside the regulations created for “ Fully Insured Plans “ under the Affordable Care Act. As such, they will not cover Pre-existing conditions (those conditions treated, diagnosed or consultation in the last 12 months), are medically underwritten with health questions and you may be denied coverage.

Copays for doctors and prescriptions may not be covered. HOWEVER–if you qualify–these plans MAY be an effective alternative to ACA Plans.  Please complete the confidential fact-finder to get started.
Confidential Fact Finder

New Plans Available Now!
From United HealthCare/ Golden Rule

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​Regular Short Term: Provides Coverage for up to 360 Days
Generation 6 offers enhanced coverage including Urgent care copay on all plans, preventative and doctors copays on selected plans.
​Generation 5 offers annual payment option with 25% premium discount.

Shop Online for Short Term Coverage!

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UHC Short Term Medical Brochure

uhc_short_term_medical.pdf
File Size: 577 kb
File Type: pdf
Download File

UHC Short Term Medical Plus Brochure

uhc_short_term_medical_plus.pdf
File Size: 912 kb
File Type: pdf
Download File

Tri-Term Medical Plans:
​Continuous coverage for one day shy of Three Years. After answering health questions and being accepted, your plan will be renewed annually without new underwriting or health questions. This can be an effective option. Generally 70% less than an ACA plan.

Golden Rule Short Term TriTerm Brochure

golden_rule_short_term_triterm-medical-plans.pdf
File Size: 568 kb
File Type: pdf
Download File

Contact Dave Trout to Get Started 
As your agents, we are committed to providing you accurate and complete information to make an informed decision. Your health, well being and access to medical care is a top priority. Remember, insurance is protection from the unexpected costs of medical expenses. Working together we can determine what solution is right for you.  

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Contact Dave
Call 828.279.4681 
[email protected]

 GET A QUOTE, BUY ONLINE

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National General – An ACA alternative.
  • Coverage for Sickness and Injury starts day one
  • $50 copay for Urgent care (prior to deductible)
  • National General has partnered with Aetna for their doctors and hospital networks                                      
  • Competitive premiums, monthly payments​​
Click to Download National General Short Term Brochure
nat_gen_____ngah-stmassociationbro-102318.pdf
File Size: 3825 kb
File Type: pdf
Download File

Get My Quote
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
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“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