--- title: "$20,000 in Critical Illness Coverage: Don't Miss this Valuable Membership Benefit" description: How would you handle a diagnosis that changes everything? Critical illnesses often progress silently, catching you off guard and leaving little time to prepare. image: https://www.tmait.org/hubfs/February%202025/February%202025%20Week%203%20-%20Critical%20Illness.png --- - [800-880-8181](tel:800-880-8181) - [CONTACT US](https://www.tmait.org/contact) - [SELF-SERVICE PORTAL](https://tmait.aebsys.com/#/) [![](https://www.tmait.org/hs-fs/hubfs/TMA%20Insurance%20March%202019/Image/logo.png?width=197&name=logo.png)](https://www.tmait.org/) Topics All Accident Insurance Accidental Death and Dismemberment Auto & Home Insurance Auto Insurance Business of Medicine Business Overhead Expense Insurance Comparing Insurance Providers COVID-19 FAQs Critical Illness Insurance Dental Insurance Disability Insurance Employed Physicians Family Featured Financial Advice Group Benefits Group Coverage Health Insurance Homeowners Insurance HSA Independent Contractor Independent Physician Individual Coverage Insurance For Good Insurance for Women Insurance Review Key Person Insurance Life Events Life Insurance Locum Tenens Medevac Insurance Medical Insurance Medical Practice Medicare Medicare Part D Medicare Supplement Medigap Nearing Retirement Office Overhead Expense Insurance Open Enrollment Personal Umbrella Insurance Pet Insurance Practice Management Practice Managers Practice Owners Prescription Drug Coverage Renters Insurance Residents Retired Physicians Retirement Short Term Disability Short-Term Medical Insurance Supplemental Hospital Indemnity Insurance Term Life Insurance Travel Insurance Vision Insurance Women Physicians Young Physicans Young Physicians ![](https://www.tmait.org/hubfs/February%202025/February%202025%20Week%203%20-%20Critical%20Illness.png) [Residents](https://www.tmait.org/blog/topic/residents) # $20,000 in Critical Illness Coverage: Don't Miss this Valuable Membership Benefit 15 February 2025 *How would you handle a diagnosis that changes everything?* Critical illnesses often progress silently, catching you off guard and leaving little time to prepare. In those moments, wouldn’t knowing you have guaranteed financial support be reassuring? Life doesn’t offer guarantees, but the TMA Member Critical Illness Insurance plan does. **With *guaranteed acceptance,* the TMA Member Critical Illness Insurance plan provides $20,000 of coverage for members and $10,000 for spouses who also enroll.** The benefit is designed to help manage unexpected costs and is paid quickly and directly to you, offering financial assistance during a severe and sudden diagnosis. ## Take Action With Guaranteed Acceptance Even the best health insurance may leave gaps, particularly regarding non-medical costs after a diagnosis. Conditions like cancer, heart attacks, strokes, and Alzheimer’s disease can lead to expenses beyond medical bills—such as caregiving, home modifications, and day-to-day living costs—that may escalate quickly. High deductibles, copays, and coinsurance can compound these challenges, adding to financial stress during an already difficult time. [![We're here to help - CLICK HERE or call today](https://no-cache.hubspot.com/cta/default/400074/f1028049-dc7a-4f66-bc55-4d7e534d3cd2.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/f1028049-dc7a-4f66-bc55-4d7e534d3cd2)***[800-880-8181](tel:800-880-8181) 8:00 – 5:00 CST Monday – Friday*** Here’s what makes the TMA Member Critical Illness Insurance plan an important part of your health strategy: - **Guaranteed acceptance for TMA members:** Members under 65 are guaranteed acceptance for $20,000 in coverage with no medical exams, health questions, or underwriting required. - **Guaranteed acceptance for your spouse:** Once you are enrolled, guaranteed acceptance also extends to your spouse or domestic partner under 65, providing $10,000 in coverage when they enroll—no physical exams or medical questions required. - **Direct payments: **Benefits are paid directly to you upon diagnosis of a covered illness, letting you decide how to use the funds. The choice is yours, spend it on medical bills, childcare, household expenses, or other recovery-related costs. This plan eliminates common concerns with features such as: - No hidden costs—no deductibles, co-pays, or coinsurance. - Benefits are paid directly to you, regardless of other insurance coverage. - Coverage that remains active as long as you are a TMA member, even if your employment changes. Additionally, **you can apply for up to $250,000 in total coverage,** allowing you to customize your plan to meet your needs. With **coverage options for spouses and dependents**, this family-focused plan helps you care for the people who matter most. ## Activate Your Coverage Today Serious illnesses don’t wait—and neither should you. Take advantage of this valuable coverage with guaranteed acceptance. Enrolling is quick and straightforward: - **Online:** Click below to enroll in just minutes. - **By phone:** Call 800-880-8181, Monday through Friday, 8:00 AM to 5:00 PM CST, to speak with an advisor ready to assist you. Taking action now can help provide added financial resources for you and your family during life-changing moments. [![START MY COVERAGE](https://no-cache.hubspot.com/cta/default/400074/26aa10cd-c7df-46be-b638-858a87eeb06e.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/26aa10cd-c7df-46be-b638-858a87eeb06e)[![New Call-to-action](https://no-cache.hubspot.com/cta/default/400074/0002c54b-d442-4272-b587-fabb93e28c71.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/0002c54b-d442-4272-b587-fabb93e28c71) For over 70 years, TMA Insurance Trust advisors have been serving Texas physicians, their families and staff. TMA Insurance Trust prides itself on offering unbiased information and strategies to members, along with exclusive group rates on a range of the highest-rated plans in the industry. **This coverage is not health insurance coverage (often referred to as “major medical coverage”)**.   Group Critical Illness Insurance coverage is a limited benefit policy issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. **Prudential’s Critical Illness Insurance is not a substitute for medical coverage that provides benefits for medical treatment, including hospital, surgical, and medical expenses, and it does not provide reimbursement for such expenses.** The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. If there is a discrepancy between this document and the Booklet-Certificate/Group Contract issued by The Prudential Insurance Company of America, the Group Contract will govern. A more detailed description of the benefits, limitations, and exclusions applicable are contained in the Outline of Coverage provided at time of enrollment. Please contact Prudential for more information. Contract provisions may vary by state. Contract Series: 114774. 1084946-00002-00 ** [ Residents ](https://www.tmait.org/blog/topic/residents) [, Critical Illness Insurance ](https://www.tmait.org/blog/topic/critical-illness-insurance) [, Independent Physician ](https://www.tmait.org/blog/topic/independent-physician) [, Employed Physicians ](https://www.tmait.org/blog/topic/employed-physicians) [, Practice Owners ](https://www.tmait.org/blog/topic/practice-owners) [, Practice Managers ](https://www.tmait.org/blog/topic/practice-managers) [, Locum Tenens ](https://www.tmait.org/blog/topic/locum-tenens) [, Independent Contractor ](https://www.tmait.org/blog/topic/independent-contractor) [, Insurance for Women ](https://www.tmait.org/blog/topic/insurance-for-women) [, Women Physicians ](https://www.tmait.org/blog/topic/women-physicians) [, Young Physicians ](https://www.tmait.org/blog/topic/young-physicians) ** [Individual Coverage](https://www.tmait.org/blog/topic/individual-coverage) [**Previous Entries](https://www.tmait.org/blog/two-powerful-guarantees-critical-illness-coverage-designed-for-texas-physicians) [Next Entries**](https://www.tmait.org/blog/the-life-youve-built-deserves-to-be-protected-with-life-insurance) ## Recommended Posts ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) ### [Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/blog/unexpected-doesnt-have-to-mean-unprepared-this-summer) ### [When “Easy Online” Life Insurance Wasn’t So Easy](https://www.tmait.org/blog/when-easy-online-life-insurance-wasnt-so-easy) ### [One Plan for the Year—Travel Insurance That Covers Every Trip](https://www.tmait.org/blog/one-plan-for-the-year-travel-insurance-that-covers-every-trip) ### [Disability Insurance—Without Gender-Based Pricing Discrimination](https://www.tmait.org/blog/disability-insurance-without-gender-based-pricing-discrimination) ### [Mind the Gap: Why Your Employer’s Disability Coverage May Fall Short](https://www.tmait.org/blog/mind-the-gap-why-your-employers-disability-insurance-coverage-may-fall-short) ### [When Your Family Depends On You: Disability Insurance for Physicians](https://www.tmait.org/blog/when-your-family-depends-on-you-disability-insurance-for-physicians) ### [How TMA Insurance Trust Reinvests in You](https://www.tmait.org/blog/how-tma-insurance-trust-reinvests-in-you) ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) ### [Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/blog/unexpected-doesnt-have-to-mean-unprepared-this-summer) ### [When “Easy Online” Life Insurance Wasn’t So Easy](https://www.tmait.org/blog/when-easy-online-life-insurance-wasnt-so-easy) ### [One Plan for the Year—Travel Insurance That Covers Every Trip](https://www.tmait.org/blog/one-plan-for-the-year-travel-insurance-that-covers-every-trip) ### [When Your Family Depends On You: Disability Insurance for Physicians](https://www.tmait.org/blog/when-your-family-depends-on-you-disability-insurance-for-physicians) ### [Don’t Let a Busy Schedule Block Your Disability Protection](https://www.tmait.org/blog/dont-let-a-busy-schedule-block-your-disability-insurance-protection) ### [Do Online Life Insurance Promises Tell the Whole Story?](https://www.tmait.org/blog/do-online-life-insurance-promises-tell-the-whole-story) ### [Close the Medicare Gap with the Right Supplement and Part D Coverage](https://www.tmait.org/blog/close-the-medicare-gap-with-the-right-supplement-and-part-d-coverage) ### [Avoiding The High Cost of Silent Illnesses](https://www.tmait.org/blog/avoiding-the-high-cost-of-silent-illnesses-critical-illness) ### [A View from the Other Side of the Stethoscope](https://www.tmait.org/blog/a-view-from-the-other-side-of-the-stethoscope-critical-illness) ### [When a High-Deductible Health Plan Meets Critical Illness](https://www.tmait.org/blog/when-a-high-deductible-health-plan-meets-critical-illness) ### [You Treat Illness, But Can You Afford It? 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