Major Medical

Major medical insurance is one of the most important purchase decisions that TMA member physicians make, for themselves, their dependents, and their staff members.

TMAIT helps you find a plan that satisfies your coverage responsibilities and reflects your financial picture, but our assistance does not stop there. We scour the market for the most competitive rates, we advocate on your behalf if claims are denied, and we minimize rate increases with effective management of our carrier relationships. We do all this to get you the medical coverage that is right for you, and only the medical coverage that is right for you. Major medical coverage can be divided into four main categories:

• Traditional major medical insurance gives you the widest range
  of choice among physicians and providers.
• A PPO major medical plan helps you manage health care expenses by establishing a network of providers, while still
  covering some portion of services you receive from any out-of-network provider you choose.
• Consumer directed health care gives you additional control over your health care expenditures, and the chance to save tax-free money for health care expenditures.
• Catastrophic insurance coverage with deductibles of $10,000 or above provides basic protection at a low premium.

Find out more about the features and benefits of each major medical plan type.