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.
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 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.
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.
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