--- title: Don’t Let an Accident Wreck Your Budget description: An accident is always unexpected, but the high medical bills that typically follow don't have to be a financial surprise. image: https://www.tmait.org/hubfs/January%202026/January%202026%20Week%202%20-%20Accident.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 ![Young child is hurt while playing basket ball with his father](https://www.tmait.org/hubfs/January%202026/January%202026%20Week%202%20-%20Accident.png) [Residents](https://www.tmait.org/blog/topic/residents) # Don’t Let an Accident Wreck Your Budget 10 January 2026 Don’t Let an Accident Wreck Your Budget 3:43 An accident is always unexpected, but the high medical bills that typically follow don't have to be a financial surprise. For families with active lifestyles or children in sports, even great health insurance might leave you exposed. A trip to the emergency room for a broken bone or a sports injury can quickly result in a hefty bill for your deductible, copayments, and services your primary plan doesn't fully cover. The TMA Member Accident Insurance plan **issued by The Prudential Insurance Company of America** is specifically designed to help fill this gap, offering a critical supplement to your family's health insurance, especially if you have a high out-of-pocket plan. ## The Financial Safety Net for When Life Happens With 2026 health insurance plans now in place, most physicians and their families can breathe a sigh of relief knowing they have essential coverage. However, if an accident happens from a seemingly routine activity, there is a real possibility for financial hardship. - **Sports Injuries:** Football, baseball, soccer, basketball, and even activities like track and field and swimming can lead to unexpected sprains, fractures, and dislocations. - **Active Adventures:** Injuries from riding a bike, hiking, skiing, climbing trees, or simply tackling home maintenance and yard work are common. In fact, the numbers say it all. The National Safety Council reported an estimated 62 million injuries nationwide in 2023 that required medical attention—that's roughly 1 in 5 persons!* [![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) 8:00 – 5:00 CST Monday – Friday*** ## Why This Plan Stands Out This plan stands out for its simplicity and speed when you need it most: - **Guaranteed Acceptance:** The TMA Member Accident Insurance plan is designed to be accessible for the entire family. TMA Members under age 65 are eligible to enroll with *guaranteed acceptance. * You may also enroll your dependent spouse or domestic partner under age 65 and your dependent children under age 26. - **Lump-Sum Payment:** Benefits are paid directly to you, not the provider, based on the diagnosis. - **Fast Access to Funds:** Because payments are based on diagnosis, there's no need to undergo treatment or provide proof of expenses incurred before receiving payment, helping you get paid faster. - **Flexible Spending:** You decide how to use your benefit - to help pay for medical and non-medical costs. It can cover out-of-pocket deductibles and copays, prescriptions, travel to appointments, or even day-to-day living expenses while a family member recovers. **The coverage includes:** Fractures, dislocations, hospital visits (inpatient and outpatient), dental and eye injuries, burns, and much more. ## Stay Prepared by Enrolling Today Protecting your family from accidental injury shouldn't lead to financial stress. The TMA Member Accident Insurance plan helps provide more peace of mind and the funds you need when an accident unexpectedly occurs. Take action today to obtain this essential supplement to your health insurance coverage. Click the button below to review plan details and enroll in your coverage. Or if you would like a personal consultation, contact a TMA Insurance Trust advisor at 800-880-8181, Monday - Friday 8:00 AM – 5:00 PM CST. [![APPLY ONLINE TODAY](https://no-cache.hubspot.com/cta/default/400074/ef99f139-53c7-41b7-ac52-7f4019034b58.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/ef99f139-53c7-41b7-ac52-7f4019034b58)[![New Call-to-action](https://no-cache.hubspot.com/cta/default/400074/04e18abb-6420-4803-a71f-2129ee13085d.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/04e18abb-6420-4803-a71f-2129ee13085d)   * All Injuries, National Safety Council (NSC) Injury Facts, December 2025   **This coverage is not health insurance coverage (often referred to as "Major Medical Coverage").**   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 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. In Washington, the controlling document is the Certificate, not the Contract. Please contact Prudential for more information. Contract provisions may vary by state. Contract Series: 83500. 1089427-00001-00 ** [ Residents ](https://www.tmait.org/blog/topic/residents) [, Accident Insurance ](https://www.tmait.org/blog/topic/accident-insurance) [, Family ](https://www.tmait.org/blog/topic/family) [, 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) ** [Individual Coverage](https://www.tmait.org/blog/topic/individual-coverage) [**Previous Entries](https://www.tmait.org/blog/strengthen-the-health-plan-you-just-renewed) [Next Entries**](https://www.tmait.org/blog/is-your-insurance-retirement-ready-medicare) ## 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) 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