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Protecting What Matters Most


Accident Insurance Helps Fill Health Insurance Gaps

Health insurance is necessary coverage, but your coverage doesn’t offer complete protection. For your yearly exam and office visits, you may have very little personal expense. But in other circumstances, your insurance may leave a substantial balance for you to cover. What if you or a family member become injured? There may be lab tests, x-rays, professional fees, and other medical expenses. These costs can quickly accumulate.

Help as Health Care Expenses Continue to Climb

As health insurance deductibles and copays continue to climb, families and individuals are absorbing even more out-of-pocket costs. But if you or a family member is injured in an accident, you can have help in paying for the out-of-pocket medical and non-medical costs that arise. The TMA Member Accident Insurance Plan is a supplement for your health insurance coverage, especially if your plan has high out-of-pocket costs.

Added Financial Insurance Protection for Families

If you have children who participate in sports, you understand the added risk that is involved in activities like football, baseball, soccer, basketball, field hockey, track and field and lacrosse - just to name a few. Or perhaps your family enjoys active recreation, like mountain biking, hiking, rock climbing, or kayaking. In all of these activities, there is a risk of injury that can result in substantial medical bills.

Have questions about your insurance needs? We're here to help - click here or call today
800-880-8181 8:00 – 5:00 CST Monday – Friday

TMA Member Accident Insurance Benefits

If you or another family member has an accident on the playing field, on the trail, in the yard, at home, even in the car - TMA Member Accident Insurance issued by The Prudential Insurance Company of America can help. Benefits are paid upon the diagnosis, so there’s no need to undergo treatment or provide proof of any expenses in order to receive your benefit. With this plan, you get paid faster than you would with other policies that pay based on expenses.

You can use your lump sum benefit however you like; for things like prescriptions and out-of-pocket deductibles, co-pays not covered by insurance, or even day-to-day living expenses. The choice is up to you.

TMA Member Accident Insurance covers:

  • fractures,
  • dislocations,
  • hospital stays (inpatient and outpatient),
  • dental injuries,
  • eye injuries,
  • burns,
  • and more.

TMA Members under age 65 are eligible to enroll. Members can also enroll their dependent spouse or domestic partners under age 65 and their dependent child or children under age 26.

You can reach an advisor at 800-880-8181, 8:00 am to 5:00pm Monday to Friday CST.

We’ve also made it easy to enroll online in a matter of minutes. Get started right now by clicking below.


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For over 60 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.

Speak with a TMA Insurance Trust Advisor:

This coverage is not health insurance coverage (often referred to as "Major Medical Coverage").
This type of plan is NOT considered "minimum essential coverage" under the Affordable Care Act and therefore does NOT satisfy the individual mandate that you have health insurance 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.

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