You know that if you’re an independent practice owner with employed staff, group PPO health insurance is an option for you. But what if for you, practicing as an independent physician means you are truly independent, with no employees?

Hybrid Work Models, Better Healthcare Options

Are you one of the many physicians helping to redefine what it means to practice independently? Today, the term "independent physician" doesn't necessarily mean "practice owner”. You may want more flexibility in your schedule to care for young children or aging parents, and therefore choose to work as locum tenens. Maybe you're at the stage in your career where you’ve sold your practice but aren’t ready to retire yet and wish to continue practicing. Or perhaps you’re a young physician who does have the goal of becoming a practice owner. You may have to work a hybrid model schedule that combines the income generated by a locum tenens assignment while building your own practice.

Whatever the case may be, it's imperative for you to secure the best health insurance for your needs. Having no employees no longer automatically means that an HMO plan is your only option. TMA Insurance Trust has done extensive research to uncover ways to help physicians like you obtain a comprehensive group PPO plan that may cost less than an individual HMO plan.

Did you know?

• Physicians in a partnership without any W2 employees may be eligible for group PPO health insurance. (Partnership documentation and the company’s SS4 or Schedule K-1 (Form 1065) are required.)
• 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 coverage just for themselves and their family, and it may cost less than an individual HMO plan.
• You can upgrade your personal coverage to a group PPO plan while also offering employees a more affordable HMO plan.

Being independent doesn't mean you’re alone. If you are thinking of opening your own practice, TMA Insurance Trust can help you find the right group plan for your needs to have the best possible coverage right from the start. We offer group and individual plans from leading national carriers so you can have greater access to preferred providers and policies.

Help You Can Trust

Over 750 practices across Texas have chosen to work with TMA Insurance Trust because we offer friendly, reliable service with the highest level of care. Our advisors do not receive any sales-based commissions, therefore, we’re able to focus on finding the right insurance for you – at a price you can afford.

Call to speak with your personal TMA Insurance Trust advisor today at 1-800-880-8181, Monday to Friday, 7:30 to 5:30 CST.

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.