--- title: Avoiding The High Cost of Silent Illnesses description: Illnesses don't wait for the right time to progress, and neither should you. Take control of what you can; it only takes a few minutes to secure the coverage that could help save your financial future. image: https://www.tmait.org/hubfs/February%202026/February%202026%20Week%204%20-%20Critical%20Illness.png --- - [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 ![Mom with Cancer cheerfully walking with young daughter in hospital](https://www.tmait.org/hubfs/February%202026/February%202026%20Week%204%20-%20Critical%20Illness.png) [Residents](https://www.tmait.org/blog/topic/residents) # Avoiding The High Cost of Silent Illnesses 28 February 2026 Avoiding The High Cost of Silent Illnesses 2:38 Some serious health threats don't arrive with a sudden crash or a dramatic episode; they manifest "silently." Conditions like cancer or heart disease can progress covertly in the background long before the first symptoms ever appear. **While the illness itself may be quiet, the financial impact is often a loud realization**. High deductibles, specialist co-pays, and out-of-network costs can quickly escalate into a financial emergency. That is why the TMA Member Critical Illness Insurance plan, **issued by The Prudential Insurance Company of America,** has made it easier than ever for you to be prepared. **We all hope for the best, but hope is not a strategy; preparation is**. If you are a TMA member under age 65, *your acceptance for $20,000 of critical illness insurance is guaranteed. *Preparing your financial safety net now is the only way to be truly ready. [![We're here to help - CLICK HERE or call today](https://no-cache.hubspot.com/cta/default/400074/f1028049-dc7a-4f66-bc55-4d7e534d3cd2.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/f1028049-dc7a-4f66-bc55-4d7e534d3cd2)***[800-880-8181](tel:800-880-8181) 8:00 – 5:00 CST Monday – Friday*** ## Zero Health Questions, Zero Delay There are no medical questions to answer and no physical exams required for this $20,000 benefit. Whether you are currently in peak health or managing minor concerns, you are eligible to enroll today. Get immediate access to cash to help cover some out-of-pocket expenses: - High deductibles and co-pays - Specialist visits and out-of-network care - Daily living expenses if you need to take time off work - Rehabilitation or home health needs Of course, if you find you need more protection, you can apply for up to $250,000 of total coverage with simplified underwriting. ## Taking Control of Your Future By securing this $20,000 lump-sum payment now, you can help ensure that if a silent illness becomes a reality, you can breathe easier knowing a financial cushion is already in place. Illnesses don't wait for the right time to progress, and neither should you. **Take control of what you can**; it only takes a few minutes to secure the coverage that could help save your financial future. Click the button below to enroll instantly, or contact a TMA Insurance Trust advisor for personalized guidance by calling us at 800-880-8181, Monday to Friday from 8:00 AM – 5:00 PM CST. [![START MY COVERAGE](https://no-cache.hubspot.com/cta/default/400074/26aa10cd-c7df-46be-b638-858a87eeb06e.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/26aa10cd-c7df-46be-b638-858a87eeb06e)[![New Call-to-action](https://no-cache.hubspot.com/cta/default/400074/9bd4d602-5a80-4525-8e30-bf1985283605.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/9bd4d602-5a80-4525-8e30-bf1985283605)   **This coverage is not health insurance coverage (often referred to as “major medical coverage”)**.   Group Critical Illness Insurance coverage is a limited benefit policy issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ.**Prudential’s Critical Illness Insurance is not a substitute for medical coverage that provides benefits for medical treatment, including hospital, surgical, and medical expenses, and it 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. A more detailed description of the benefits, limitations, and exclusions applicable are contained in the Outline of Coverage provided at time of enrollment. Please contact Prudential for more information. Contract provisions may vary by state. Contract Series: 114774. 1090147-00001-00 ** [ Residents ](https://www.tmait.org/blog/topic/residents) [, Individual Coverage ](https://www.tmait.org/blog/topic/individual-coverage) [, Critical Illness Insurance ](https://www.tmait.org/blog/topic/critical-illness-insurance) [, Independent Physician ](https://www.tmait.org/blog/topic/independent-physician) [, Employed Physicians ](https://www.tmait.org/blog/topic/employed-physicians) [, Practice Owners ](https://www.tmait.org/blog/topic/practice-owners) [, Practice Managers ](https://www.tmait.org/blog/topic/practice-managers) [, Locum Tenens ](https://www.tmait.org/blog/topic/locum-tenens) [, Independent Contractor ](https://www.tmait.org/blog/topic/independent-contractor) [, Insurance for Women ](https://www.tmait.org/blog/topic/insurance-for-women) [, Women Physicians ](https://www.tmait.org/blog/topic/women-physicians) [, Young Physicians ](https://www.tmait.org/blog/topic/young-physicians) [, Insurance For Good ](https://www.tmait.org/blog/topic/insurance-for-good) ** [Life Events](https://www.tmait.org/blog/topic/life-events) [**Previous Entries](https://www.tmait.org/blog/a-year-of-travel-with-your-new-tma-member-travel-insurance-benefit) [Next Entries**](https://www.tmait.org/blog/the-blind-spot-in-your-disability-coverage-short-term-disability) ## Recommended Posts ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) ### [Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/blog/unexpected-doesnt-have-to-mean-unprepared-this-summer) ### [When “Easy Online” Life Insurance Wasn’t So Easy](https://www.tmait.org/blog/when-easy-online-life-insurance-wasnt-so-easy) ### [One Plan for the Year—Travel Insurance That Covers Every Trip](https://www.tmait.org/blog/one-plan-for-the-year-travel-insurance-that-covers-every-trip) ### [Disability Insurance—Without Gender-Based Pricing Discrimination](https://www.tmait.org/blog/disability-insurance-without-gender-based-pricing-discrimination) ### [Mind the Gap: Why Your Employer’s Disability Coverage May Fall Short](https://www.tmait.org/blog/mind-the-gap-why-your-employers-disability-insurance-coverage-may-fall-short) ### [When Your Family Depends On You: Disability Insurance for Physicians](https://www.tmait.org/blog/when-your-family-depends-on-you-disability-insurance-for-physicians) ### [How TMA Insurance Trust Reinvests in You](https://www.tmait.org/blog/how-tma-insurance-trust-reinvests-in-you) ### [When “Easy Online” Life Insurance Wasn’t So Easy](https://www.tmait.org/blog/when-easy-online-life-insurance-wasnt-so-easy) ### [Don’t Let a Busy Schedule Block Your Disability Protection](https://www.tmait.org/blog/dont-let-a-busy-schedule-block-your-disability-insurance-protection) ### [Do Online Life Insurance Promises Tell the Whole Story?](https://www.tmait.org/blog/do-online-life-insurance-promises-tell-the-whole-story) ### [Great Salary, No Safety Net: Protecting the Income that Powers it All](https://www.tmait.org/blog/great-salary-no-safety-net-protecting-the-income-that-powers-it-all-short-term-disability) ### [The Blind Spot in Your Disability Coverage](https://www.tmait.org/blog/the-blind-spot-in-your-disability-coverage-short-term-disability) ### [A View from the Other Side of the Stethoscope](https://www.tmait.org/blog/a-view-from-the-other-side-of-the-stethoscope-critical-illness) ### [You Treat Illness, But Can You Afford It? 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