When an accident occurs, the unexpected expenses that follow could catch you off guard. Despite having health insurance, the costs of lab tests, x-rays, professional fees, and other medical expenses and non-medical expenses can accumulate quickly and leave you financially exposed.

The TMA Member Accident Insurance Plan, issued by The Prudential Insurance Company of America serves as a safety net, designed to supplement your family’s health insurance coverage and help minimize the impact of high out-of-pocket costs resulting from accidents.

Safeguarding Your Finances is No Accident

For those leading active lifestyles or engaging in competitive sports like football, baseball, swimming, soccer, basketball, and lacrosse, the risk of accidental injuries rises. Some children seem particularly prone to misadventure, with the journey from home to the ER for casts and stitches a well-traveled one. Even routine activities like yard work or home maintenance can unexpectedly lead to accidents. In fact, according to the National Safety Council, there were an estimated 52,500,000 injuries nationwide that required medical attention in 2021.*

Acquiring accident insurance is a wise strategy to help supplement your health insurance coverage and safeguard your income from out-of-pocket medical and non-medical costs, such as high deductibles and copays. With the TMA Member Accident Insurance Plan, payments are made directly to you based upon diagnosis. There’s no need to undergo treatment or provide proof of expenses incurred prior to receiving your payment.

Key advantages to this plan:

• Your payment is made directly to you as a lump sum benefit.
• It’s up to you how your payment is used – use it for co-pays, prescriptions, day-to-day living expenses or other needs.
• Coverage includes: fractures, dislocations, hospital stays (both in and outpatient), dental and eye injuries, burns and much more.

Supplement Your Health Insurance

Prepare your safety net and avoid being blindsided by an unexpected event. TMA members under the age of 65 are eligible to enroll with guaranteed acceptance. Members also have the option to enroll their dependent spouse or domestic partner under age 65 and dependent children under age 26 for this coverage. We make it easy to get you and your family covered - simply click the button below to enroll online.

For personalized guidance, TMA Insurance Trust offers free one-on-one consultations with qualified advisors. We’re here to answer any questions you may have. Call us at 800-880-8181, Monday through Friday from 8:00 am to 5:00 pm, CST.

For over 65 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.