For many physicians, November and December may be the busiest time of year. As the weather cools, people spend more time indoors and the cold and flu season comes into full swing. That is not the only reason some physicians’ offices are so busy - many Texans have suddenly become aware that their insurance benefits and/or flexible spending accounts will expire at year’s end, so they pick up the phone and schedule all of the necessary appointments. Your schedule may be getting tighter than ever - and now you realize that Health Insurance Open Enrollment has begun and you need to secure coverage for your family and practice! The timing could not be worse.

If you are concerned about the rising costs and limited health insurance options for independent physicians in Texas, we may have good news for you. TMA Insurance Trust has discovered some little-known waivers to help you obtain and afford the PPO coverage you prefer.

Act now to have health insurance in place by January 1, 2018

Open enrollment is now in full swing. No matter your situation, now is the time to make important health insurance decisions for you, your family and your practice staff. TMA Insurance Trust health insurance specialists are standing by to help you choose the right coverage and complete the paperwork before the deadline.

Lately it feels like every time you look at the news there is another announcement about a change to health insurance. But regardless of the changes, if you don’t get coverage from an employer, you still need health insurance for yourself, your family and maybe your staff.

Shopping for health insurance and maintaining coverage is a time consuming job fraught with red tape, paperwork and deadlines. And for physicians in private practice who are looking for health insurance to cover their employees and their families, it’s almost a full time job. That’s why TMA Insurance Trust is dedicated to supporting the health insurance needs of small practice owners in a big way.

The 2018 Health Insurance Open Enrollment period is less than a month away, and TMA Insurance Trust is looking out for Texas physicians by providing them with this important information. As in previous years, Open Enrollment begins on November 1. However, this year the enrollment period has been cut in half. Instead of having three months to shop, compare plans, and enroll, individuals have only 45 days to do so. To have health insurance coverage in place by January 1, you must act quickly. Because of the urgency this year, please be aware of the following special announcements:

You’ve worked hard for years, have provided well for those you love, and you have big dreams for your future. Over time, with a great deal of love and care, you are crafting your legacy.

But your legacy is hanging in the balance.

Most physicians understand the vital need to protect their family with life insurance coverage. If something should happen to you, you want your family to be cared for financially - and you want the dreams you have for their future to come true. This principle applies to both parents, even if your spouse or partner is not the primary breadwinner.