The word independent holds diverse interpretations for different individuals, making it a subjective and multifaceted concept. To many people, the definition of an independent physician used to mean a practice owner. Today, that definition is not so clear-cut. More physicians are desiring to practice as medical professionals without taking on the ongoing responsibilities of business ownership.

While that may mean less administrative headaches, it also means a significant reduction in health insurance coverage options. In Texas, group PPO health plans have typically been out of reach for independent physicians practicing without employees. TMA Insurance Trust supports physicians, whether they own a practice or choose not to, and is facilitating access to group PPO coverage for independents – whether they have employees or not.

Practice Alone, Benefit Like a Group

TMA Insurance Trust has found ways for small practice owners and employed physicians who do not receive benefits to get more comprehensive group PPO coverage.

• For practice owners with group coverage for their practice, there are opportunities to help control the cost to your practice and be able to offer your employees health insurance – with a mix of group PPO and HMO plans.
• For practice owners with staff on their own health coverage (a spouse’s plan or that of another provider), you may be able to get group PPO coverage just for yourself and your family.
• For partners with no W-2 employees, you may be eligible for group coverage only for yourself. You’ll need to provide partnership documentation and the company’s SS4 or recent K-1 (Form 1065).
• For physicians who own a business with their spouse, or their spouse is a W-2 wage employee, you may qualify for group coverage even without partnership documentation.
• For physicians opening their own practice, we can help you secure a group health plan tailored to your needs.

Our advisors are ready to provide you with expert assistance to help you obtain the group health insurance you deserve. They do not receive any sales-based commissions, so you can be assured that any advice or guidance regarding available plans is tailored to your unique health coverage needs. They can be reached by calling 800-880-8181, Monday through Friday from 8:00 to 5:00, CST.

Nearly 800 practices across Texas have chosen TMA Insurance Trust as their Agent of Record, and are now supported by the high level of care and service we provide. As your partner in independence, we look forward to caring for your health insurance needs as you care for your family, your patients, and your practice.

For over 65 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.