--- title: Accidents Happen - Prepare Now to Help Avoid Financial Pain description: If your children participate in sports, you accept that there is some risk of injury. Health insurance may cover many of the costs associated with sports injuries, but as deductibles and copays continue to increase, so do your out-of-pocket costs. image: https://www.tmait.org/hubfs/August%202018/Week_4_August_2018.jpg --- - [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 ![Week_4_August_2018](https://www.tmait.org/hubfs/August%202018/Week_4_August_2018.jpg) [Accident Insurance](https://www.tmait.org/blog/topic/accident-insurance) # Accidents Happen - Prepare Now to Help Avoid Financial Pain 25 August 2018 Everything was going well that Saturday morning. The weather was perfect; you and your family were enjoying your daughter’s track meet - and she was doing very well. But when her left foot touched the ground upon landing in the long jump event, something went terribly wrong. She crumbled to the ground and curled up in tremendous pain. After following up with her orthopedic surgeon, you were told that she had torn her ACL. Each year, medical facilities see a steady stream of children in treatment for sports-related injuries. Whatever the activity - track and field, football, baseball, swimming, soccer, basketball - playing a sport comes with inherent risks that could lead to an injury. Texas Children's Hospital reports that the most common sports injuries are: dislocated shoulder, ACL tear, concussion, fracture, and sprain*. If your children participate in sports, you accept that there is some risk of injury. Health insurance may cover many of the costs associated with sports injuries, but as deductibles and copays continue to increase, so do your out-of-pocket costs. Accident insurance may be a great way to alleviate a sudden financial burden that an unforeseen injury brings. [![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)*** ***7:30 – 5:30 CST Monday – Friday*** TMA Member Accident Insurance issued by **The Prudential Insurance Company of America** can help you if you or a family member suffer an unexpected injury. This plan pays you benefits when you suffer a covered injury due to an accident - and covers much more than sports injury. If you, your child or your spouse has an accident; whether it is on the playing field, in the yard, at home, even in the car, you will receive a benefit. The plan includes the following features: • *Covers a variety of accidents and injuries* • *Benefits are paid without needing to provide proof of expenses* • *Cash paid: use benefits for whatever you need* ## What Accident Insurance Covers The TMA Member Accident Insurance Plan covers bone fractures, joint dislocations, inpatient or outpatient hospital visits, dental or eye injuries, burns, and much more. ## How Benefits are Paid Unlike some other plans, your benefit payment is made based on the diagnosis. There is no need to undergo treatment or provide proof of any expenses incurred prior to receiving payment, so you will receive payments as soon as possible. ## Use Benefits for What You Need You will be able to use use your lump sum benefit in any way you would like; use it for prescriptions, out-of-pocket deductibles, copays not covered by health insurance, for day-to-day living expenses, or necessary caregiving. If you are a TMA member under age 65, you are eligible to enroll for this insurance protection. You can also enroll a dependent spouse or domestic partner under age 65, and their dependent children under age 26.   If you have questions about accident insurance, we invite you to consult experienced advisors. TMA Insurance Trust advisors do not earn sales-based commissions – so you won’t feel any obligation or sales pressure. Their sole mission is to help you find the plan that works for you. Call us at [(800) 880-8181](tel:8008808181) or click on the link below. Or if you wish, you can apply for TMA Member Accident Insurance issued by The Prudential Insurance Company of America at any time online. To get started, [click here](https://memberenroll.tmait.org/). [![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 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. **Want to speak to an advisor? Complete the form below and we will reach out shortly.** * [Texas Children's Hospital](https://www.texaschildrens.org/blog/2015/08/most-common-sports-injuries) August 2015 ** [ Accident Insurance ](https://www.tmait.org/blog/topic/accident-insurance) ** [**Previous Entries](https://www.tmait.org/blog/critical-illness-insurance-benefits-in-your-hands) [Next Entries**](https://www.tmait.org/blog/residents-5-vital-reasons-to-get-more-life-insurance) ## Recommended Posts ### [Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/blog/unexpected-doesnt-have-to-mean-unprepared-this-summer) ### [Don’t Let an Accident Wreck Your Budget](https://www.tmait.org/blog/dont-let-an-accident-wreck-your-budget) ### [Accidents Don’t Take a Summer Break - Be Prepared](https://www.tmait.org/blog/accidents-dont-take-a-summer-break-be-prepared) ### [Help Secure Your Finances Against Life’s Unexpected Accidents](https://www.tmait.org/blog/help-secure-your-finances-against-lifes-unexpected-accidents) ### [A Financial Safety Net for Life's Unexpected Events](https://www.tmait.org/blog/a-financial-safety-net-for-lifes-unexpected-events) ### [Stay Safe, Play Smart: Help Protect Your Adventures with Accident Insurance](https://www.tmait.org/blog/stay-safe-play-smart-help-protect-your-adventures-with-accident-insurance) ### [Medical Insurance May Not Cover All Your Costs After An Accident](https://www.tmait.org/blog/medical-insurance-may-not-cover-all-your-costs-after-an-accident) ### [Minimize the Financial Impact of Accidental Injuries with the TMA Member Accident Insurance Plan](https://www.tmait.org/blog/minimize-the-financial-impact-of-accidental-injuries-with-the-tma-member-accident-insurance-plan) ## 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. If you do not have other health insurance coverage, you may be subject to a federal tax penalty.**   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. 1006512-00001-00 ### Latest Post ![A New Alternative for Group Health Insurance](https://www.tmait.org/hubfs/July%202026/July%202026%20Week%201%20-%20Group%20Health.png) ### [A New Alternative for Group Health Insurance](https://www.tmait.org/blog/a-new-alternative-for-group-health-insurance-group-benefits) Jul. 04 2026 ![Why Going It Alone on Group Health Coverage Costs Your Practice](https://www.tmait.org/hubfs/June%202026/June%202026%20Week%204%20-%20Group%20Health.png) ### [Why Going It Alone on Group Health Coverage Costs Your Practice](https://www.tmait.org/blog/why-going-it-alone-on-group-health-coverage-costs-your-practice-group-benefits) Jun. 27 2026 ![Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/hubfs/June%202026/June%202026%20Week%203%20-%20Dental.png) ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) Jun. 20 2026 ![Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/hubfs/June%202026/June%202026%20Week%202%20-%20Accident.png) ### [Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/blog/unexpected-doesnt-have-to-mean-unprepared-this-summer) Jun. 13 2026 ### POPULAR TOPICS - 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