Health insurance covers medical treatments, but what about the many other expenses a serious illness can bring? The TMA Member Critical Illness Insurance plan, issued by the Prudential Insurance Company of America, is designed to assist with these additional costs. To help you understand how the plan works and highlight its value, here’s a step-by-step walkthrough.
Step 1: Easy Enrollment with Guaranteed Acceptance
Securing coverage is straightforward, especially for TMA members.
- Guaranteed Acceptance for Members: If you're a TMA member under age 65, you're guaranteed acceptance for $20,000 in coverage. No medical exams, health questions, or underwriting are required. It's truly that simple.
- Guaranteed Acceptance for Your Spouse: Once you are enrolled, this guaranteed acceptance also extends to your spouse or domestic partner under age 65, providing $10,000 in coverage upon their enrollment.
Seeking more extensive coverage?
- You can apply for up to $250,000 in total coverage.
- Spouse and family coverage options are available.
Enrollment is quick and easy, whether you complete it online or by contacting an advisor.
Step 2: What Happens if You're Diagnosed?
Should you be diagnosed with a covered illness, you receive a $20,000 lump sum benefit paid directly to you. This payment remains unaffected by any other insurance benefits you receive.
There are no deductibles, co-pays, or coinsurance to manage. You have complete freedom to use the benefit in whatever way best supports your recovery and eases your mind, whether for medical or non-medical expenses such as travel, time away from work, household costs, childcare, home modifications, or other personal needs.
Step 3: Understanding Your Coverage: What Conditions Are Included?
Many of the most serious health challenges are addressed by this coverage, with benefits provided as shown below.
100% Benefit Paid For:
- Invasive Cancer
- Heart Attack
- Stroke
- Major Organ Failure
- Renal Failure
- Alzheimer's Disease
- Non-Invasive Cancer (excluding skin cancer)
25% Benefit Paid For:
- Multiple Sclerosis
- Parkinson's Disease
- Severe Coronary Disease
- Occupational HIV Infection
- Terminal Illness
This plan aims to alleviate some of the financial stress that critical illnesses can place on individuals and their families.
Step 4: Your Coverage Stays With You
As long as you maintain your TMA membership, your coverage remains active. This means your vital protection continues with you, even if your job or practice situation changes.
Get Started Today
With guaranteed acceptance, a direct lump-sum payment, and coverage that follows you through career changes, the TMA Member Critical Illness Insurance plan is a smart way to strengthen both your financial and health strategies.
You can enroll online or call 800-880-8181, Monday through Friday from 8:00 AM to 5:00 PM CST, to speak with an advisor.
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