We make hundreds of decisions a day. Some are made without a conscious thought, while others require us to pause and weigh the pros and cons. For major health decisions, you know the value of a second opinion to ensure the best outcome. Why should your group health insurance be any different? As premiums rise industry-wide, many physicians find themselves rushed into plans that don't quite fit.
At TMA Insurance Trust, we specialize in providing that second look. We filter the market to identify the specific group policies you qualify for, ensuring you only spend time reviewing the plans that meet your requirements.
A Second Opinion That Matters
Your insurance should fit your practice, not the other way around. Whether you are a solo practitioner or lead a large team, we can help you find the right balance of protection and cost control. Independent physicians can often access group PPO plans for themselves and their families, while practice owners can offer staff affordable HMO options simultaneously. We handle the complexities of managing multiple plans so you can remain focused on your patients.
It’s not too late to reassess. Here are several key opportunities to consider for yourself and your practice:
- We offer group and individual plans from leading carriers.
- Practice owners with group coverage for their practice: There are opportunities to help control costs and offer your employees' health insurance, with a mix of group PPO and HMO plans.
- Practice owners with staff on their own health coverage (a spouse’s plan or another provider’s plan): You may be able to get group PPO coverage just for yourself and your family.
- 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).
- 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.
- Establish a Health Savings Account (HSA): If you select an eligible high-deductible health plan to manage costs better, you can open an HSA. These accounts offer tax advantages, spending flexibility, and ongoing savings and investment opportunities.
- Physicians opening their own practices: TMA Insurance Trust can help you with starting your own group plan.
While we partner with multiple carriers to secure competitive rates, our commitment to you doesn’t end there. We provide continuing value by offering daily support to your practice to help ensure your coverage runs smoothly year-round. We remove the administrative burden by overseeing staff enrollments, cancellations, and ID card logistics. We also help you manage the intricate details of your plan, including assisting with claim and billing issues. This level of support ensures your priority remains where it belongs: on your patients and your business.
Secure an Unbiased Review Today
It is not too late to reassess your coverage. If you're facing a rate increase or a complex renewal, now is the time to seek a second opinion to help protect your practice and your family. Our advisors do not receive sales-based commissions, so their recommendations are entirely free from bias and sales pressure.
Don't leave your group health coverage to chance or settle for a plan that doesn't fit. Contact a TMA Insurance Trust advisor today for a no-cost, no-obligation consultation to discuss your eligibility and to secure the PPO coverage you want.
Call us at 800-880-8181, Monday through Friday, 8:00 AM to 5:00 PM CST.
