MEDICARE OPTIONS FOR YOU
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MEDICARE SUPPLEMENT Plans

Review Your Options

 You Can Save Money By Switching Medicare Supplement Plans

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Medicare Supplement's premiums increase each year. 

As you have now been on Medicare for some years, you have noticed premiums increase. Remember: your rate will never increase based on your claims, everyone on the same plan has the same increase. 


​Good News – Keep the same plan with a new company and SAVE MONEY 

Unlike Medicare Advantage Plans (Part C) or Prescription Drug Plans ( Part D) - Medigap or Medicare Supplement plans  have no annual enrollment period.  All plan “ G “ have the exact same Medicare medical benefits. You can shop NOW for a new, more cost-effective plan.


​Premium Savings & Added Value

​If approved, you could save hundreds of dollars per year! Some companies even offer additional premium discounts if you live with your spouse or someone else, discounts on dental, vision, and gym memberships. 

​Medicare Supplement Plan N vs Plan G?

​Medicare Supplement Plan G offers more protection than Plan N.
Plan N doesn’t cover:
  • Excess Charges: Most healthcare providers that accept Medicare also accept Medicare assignment, which is the cost that Medicare states they’ll pay for a given service. If the provider wants to be paid more, they can bill you for excess charges, which can only be up to an additional 15% of the original cost.
  • Copayments: With Plan N, you’ll be responsible for copays of up to $20 for some office visits, or up to $50 if you go to the emergency room but aren’t admitted as an inpatient.
Premiums for Plan “ N “ are some 15 % to 22 %  less. But, you will pay more in copay’s and especially in Excess if you have an expensive outpatient treatment where the doctor or facility does not accept assignment. 


​What’s Next …. ? 

​The Insurance Company will ask medical questions to determine approval. Most of our clients do qualify and are able to obtain a similar or the same plan with a more cost-effective premium. The health questions and rates vary between insurance companies. We’ll compare all the companies to find most beneficial plan for you. 


​Let’s Get Started 

​Please complete the questions below. We will contact you to start application, approval and potential $avings.
    Any of following health conditions last two years?
    Internal Cancer, Melanoma or Lymphoma; Heart, circulatory or lung disease; Alzheimer’s disease, dementia, Parkinson’s disease, multiple sclerosis, muscular dystrophy, Lou Gehrig’s disease,  lupus; Organ transplant; Chronic liver disease, cirrhosis, chronic hepatitis; Chronic kidney disease, Diabetes with complications; AIDS; Back or spine disorder, degenerative bone disease, rheumatoid arthritis, joint replacement; Mental or nervous disorder; Alcohol or drug abuse?
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Example:  71 year old female who has MediGap plan  “G" with company “Current" is paying $ 187 per month.

If approved, her new premium with company “Better" could be $145 monthly for the same plan “G" with exactly the same benefits. And now a Savings of $ 504 every year.
I wholeheartedly recommend David Trout for your insurance needs. David helped me find a Medicare Supplement Plan that fits my needs perfectly with a much lower monthly premium than I’d paid previously. What’s more he was responsive to my questions and a pleasure to work with. Need insurance? Call David Trout."
Bruce Mulkey
Asheville, North Carolina
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Trout Insurance Services
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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Trout Insurance is a full line insurance agency based in WNC. We serve clients in North and South Carolina as well as national companies. Trout Insurance offers life, health, disability, Medicare supplement, Medicare Health Plans, Medicare Prescription Plans, Long term care insurance, Home and Auto insurance for individuals. For businesses we offer group health & benefits, commercial liability, property & worker's compensation as well as plans for business owners. 

Dave Trout, David Hanson and Idelle Davids are independent insurance agents with Trout Insurance. 

​We do not offer every plan available in your area. Currently we represent at least 8 organizations which offer at least 57 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
  • Home
  • Enroll
  • Resources
    • Prescription Drug Payment Plan
    • Medicare Supplement Rate Increases >
      • Medicare Supplement: Plan "N"
    • Blue Cross Customer Service Information
    • Aetna Customer Service Information
    • United Healthcare Customer Service Information
    • Humana Customer Service Information
    • Alignment Platinum (HMO-POS)
    • December 8th and Beyond
    • ANOC "Annual Notice of Change" Statement
    • Hopscotch Health
    • Medicare - What Is Most Important To You
    • New To Medicare
    • Medicare Supplement Premium Increase?
    • Medicare FAQ's
    • Fitness
    • BLOG
  • Alignment
    • Alignment C-SNP
  • Benefits
  • Our Agents
  • Contact
  • Dave - Scope of Appointment
  • Permission To Contact