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Eligible Without Employees–Group PPO Health Insurance for Independent Physicians

A physician’s eligibility for a group PPO plan has historically relied on how many employees they have in their practice. TMA Insurance Trust has researched how to make this preferred coverage available to independent physicians who practice in a partnership without W2 employees. Special options may help you obtain group PPO health insurance for just yourself and your family. 

Small Practice, Big Benefits

Individual PPO health insurance plans are no longer available in Texas. But that doesn’t mean an HMO is your only option as an independent physician. TMA Insurance Trust works hard to find ways to bring affordable, comprehensive health insurance coverage to all Texas physicians–not just larger practices.

Have questions about your insurance needs? We're here to help - click here or call today
800-880-8181 7:30 – 5:30 CST Monday – Friday

 

Here’s what we’ve uncovered:

  • Physicians who are in a partnership with no W2 employees may be eligible for group PPO health insurance. Partnership documentation would need to be provided, as well as the company’s SS4 or Schedule K-1 (Form 1065).
  • Do you own a business with your spouse, or do you own a business and employ your spouse as a W-2 wage employee? If so, we may be able to qualify your business for group coverage even without partnership documentation. 
  • Practice owners with staff on their own health coverage (spouse’s plan or another provider) can get “Group of One” PPO health insurance just for themselves and their family.
  • Practice owners can upgrade their personal coverage to a group PPO plan while offering their employees other options.

If you’re thinking of opening your own practice, we’re here to help you secure a group plan that will provide you with the best possible coverage. TMA Insurance Trust works with leading carriers to be able to offer the best variety of group and individual plans. 

Our Focus is Your Business

Over 750 practices across Texas are benefiting from the high level of care and service we provide. We’re dedicated to helping our policyholders access the best coverage for themselves, their families and their practices. None of our advisors receive any sales-based compensation, so their recommendations and suggestions are based solely on your specific insurance needs. 

To discuss more about these special options and determine your eligibility, speak to one of our knowledgeable advisors at 1-800-880-8181, Monday through Friday, 7:30 am to 5:30 pm, CST.

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For over 60 years, TMA Insurance Trust advisors have been serving Texas physicians, their families and staff. TMA Insurance Trust prides itself on offering unbiased information and strategies to members, along with exclusive group rates on a range of the highest-rated plans in the industry.

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