--- title: A Financial Safety Net for Life's Unexpected Events description: When an accident occurs, the unexpected expenses that follow could catch you off guard. image: https://www.tmait.org/hubfs/January%202024/January%202024%20Week%202%20-%20Accident.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/January%202024/January%202024%20Week%202%20-%20Accident.png) [Residents](https://www.tmait.org/blog/topic/residents) # A Financial Safety Net for Life's Unexpected Events 14 September 2024 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. [![We're here to help - CLICK HERE or call today](https://no-cache.hubspot.com/cta/default/400074/29d1b372-39b3-447b-948d-6639f2215ed0.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/29d1b372-39b3-447b-948d-6639f2215ed0)***[800-880-8181](tel:800-880-8181) 8:00 – 5:00 CST Monday – Friday*** ## 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. [![APPLY ONLINE TODAY](https://no-cache.hubspot.com/cta/default/400074/ef99f139-53c7-41b7-ac52-7f4019034b58.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/ef99f139-53c7-41b7-ac52-7f4019034b58) 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. [![New Call-to-action](https://no-cache.hubspot.com/cta/default/400074/215c3f65-2721-49c4-b1ff-b2fa0e31c893.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/215c3f65-2721-49c4-b1ff-b2fa0e31c893) 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. * National Safety Council, Home and Community Overview, December 2023   **This coverage is not health insurance coverage (often referred to as "Major Medical Coverage").**   Group Accident Insurance coverage is a limited benefit policy issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. Prudential's Accident Insurance is not a substitute for medical coverage that provides benefits for medical treatment, including hospital, surgical and medical expenses and 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. Please contact Prudential for more information. Contract provisions may vary by state. Contract Series: 83500. 1076485-00001-00 ** [ Residents ](https://www.tmait.org/blog/topic/residents) [, Accident Insurance ](https://www.tmait.org/blog/topic/accident-insurance) [, Family ](https://www.tmait.org/blog/topic/family) [, 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) [, 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) [, Nearing Retirement ](https://www.tmait.org/blog/topic/nearing-retirement) [, Retired Physicians ](https://www.tmait.org/blog/topic/retired-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/trust-our-advisors-four-reasons-to-choose-tma-insurance-trust-for-your-insurance-needs) [Next Entries**](https://www.tmait.org/blog/secure-your-health-insurance-coverage-now-before-rates-go-up-group-benefits) ## 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 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