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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
8:30am-6pm & 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
Privacy Notice Statement  | Privacy Policy
Trout Insurance is a Full Service Independent Insurance Agency Based in WNC. 
Stay current with relevant insurance news. Newsletters usually send out about 1-2 times per month. We will never share your address. ​ 

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  • Coverage
    • Home & Auto Insurance
    • ACA-2021
    • Health Insurance 2021
    • Medicare
    • AARP - Hartford
    • Life Insurance
    • Income Protection >
      • Disability Insurance
      • Long-Term Care
      • Critical Illness
      • Annuities
    • Dental, Vision, Accident
    • Health Insurance 2020
    • Employee Benefits
    • Business Owners >
      • Employee Benefits
      • Group Health Insurance
      • Commercial Property & Liability
      • Business Overhead Expense Disability
      • Disability for Business Owners
      • Critical Illness
    • Short Term Health
  • About Us
    • Our Story
    • Dave Trout >
      • DT Landing
    • Jessica Cody >
      • JC Landing
    • Jeremy Sheridan >
      • JS Landing
    • Jennifer Trout
    • Jan Trout
    • John Phillips >
      • JP Landing
    • Steve Dillingham
  • Reviews
  • Client Center
    • Client Center
    • Resources >
      • Insurance Partners
      • Lost Subsidy
      • 2019 Verification-a
      • Renewal 2020
      • Privacy Policy
      • BCBS Online Setup
      • APTC Income 2021 & Tax Form 1040
      • Asheville Homesharing
  • Community
    • Music on Main
    • Manna Fundraiser
    • Western Women's Business Center Conference
    • Mural on Main Street
    • Expanded Team- Next Generation
    • Back to School
    • Weaverology
  • Blog
  • Contact Us