There is a unique kind of vulnerability that arises when the physician becomes the patient. For years, you have been the steady hand during your patients' most critical moments, the calm voice in a crisis, and the cornerstone of their care. But when the diagnosis is your own, it often triggers a secondary crisis that has nothing to do with medicine and everything to do with the logistics of life.
Timing the Gap
As we move into February, most health insurance deductibles have just reset. A new diagnosis now could mean facing high out-of-pocket costs before your primary coverage even takes effect. This is where the TMA Member Critical Illness Insurance plan, issued by The Prudential Insurance Company of America helps provide a financial foundation designed to bridge the gap. We believe that you should not have to worry about the "business of being sick" while you are trying to heal.
The Reality of Recovery
When discussing a serious illness, we rarely address the high non-medical expenses that can quietly destabilize your finances. While primary health insurance is designed for clinical care, it typically doesn’t account for the practical aspects of recovery. For instance, a stroke may demand immediate and significant home modifications, such as widening doorways, installing ramps, or modifying bathrooms, to ensure your environment supports your healing.
The challenges are just as taxing with other diagnoses. Standard insurance does not typically bridge the financial gap that follows a heart attack; beyond the lost income during your time away from practice, you may face the immediate cost of short-term, in-home assistance while you recover and prepare to return to work.
If you face cancer, "hidden" costs add up even faster. These include travel expenses to specialists outside of your local area and the loss of practice income. A recent study found that over 40% of cancer patients utilize complementary or alternative medications to manage their quality of life.* Because health insurance rarely covers these supportive therapies, the financial responsibility falls entirely on the patient.
Our Guarantee to You
Our goal is to ensure that TMA Member Critical Illness Insurance provides the financial support you need to help maintain your lifestyle while you heal. Because your focus should be on recovery instead of the economic hardship a critical diagnosis can cause, we are offering four significant guarantees through February 28th:
- Guaranteed Acceptance: For TMA members under age 65, acceptance is guaranteed during this time period. No medical exams, no hurdles.
- $20,000 Paid Directly to You: Upon diagnosis of a covered illness, this benefit is paid to you, not the provider. This lump-sum payment provides support for medical and/or non-medical expenses to be used at your discretion, such as copays, home modifications, or lost income.
- No Offsets: Once a diagnosis is made and your claim has been approved, your benefits are guaranteed to be paid regardless of any other coverage you may have.
- Free 30-day trial: You are guaranteed a 30-day, no-risk, free look period. Get a full refund if you change your mind.
You have dedicated your life to being the safety net for others. Let TMA Insurance Trust have the privilege of being yours.
Don’t wait for the logistics of life to become an obstacle in your recovery. Visit us online or speak to a TMA Insurance Trust advisor for more details before February 28, 2026, by calling us at 800-880-8181, Monday to Friday from 8:00 AM – 5:00 PM CST.
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