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

Call or Email Dave Trout or Jessica Cody 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 Jessica
Call 828.450.1348
jessica@troutinsurance.com
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Contact Dave
Call 828.279.4681 
dave@troutinsurance.com

 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
​

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