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!*
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.
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