--- title: Guaranteed Acceptance for $20,000 of TMA Member Critical Illness Insurance description: The costs associated with critical illness are undeniably high. Necessary medical expenses for critical care often extend well beyond traditionally covered costs. image: https://www.tmait.org/hubfs/January%202024/January%202024%20Week%204%20-%20Critial%20Illness.png --- - [800-880-8181](tel:800-880-8181) - [CONTACT US](https://www.tmait.org/contact) - [SELF-SERVICE PORTAL](https://tmait.aebsys.com/#/) [![](https://www.tmait.org/hs-fs/hubfs/TMA%20Insurance%20March%202019/Image/logo.png?width=197&name=logo.png)](https://www.tmait.org/) Topics All Accident Insurance Accidental Death and Dismemberment Auto & Home Insurance Auto Insurance Business of Medicine Business Overhead Expense Insurance Comparing Insurance Providers COVID-19 FAQs Critical Illness Insurance Dental Insurance Disability Insurance Employed Physicians Family Featured Financial Advice Group Benefits Group Coverage Health Insurance Homeowners Insurance HSA Independent Contractor Independent Physician Individual Coverage Insurance For Good Insurance for Women Insurance Review Key Person Insurance Life Events Life Insurance Locum Tenens Medevac Insurance Medical Insurance Medical Practice Medicare Medicare Part D Medicare Supplement Medigap Nearing Retirement Office Overhead Expense Insurance Open Enrollment Personal Umbrella Insurance Pet Insurance Practice Management Practice Managers Practice Owners Prescription Drug Coverage Renters Insurance Residents Retired Physicians Retirement Short Term Disability Short-Term Medical Insurance Supplemental Hospital Indemnity Insurance Term Life Insurance Travel Insurance Vision Insurance Women Physicians Young Physicans Young Physicians ![](https://www.tmait.org/hubfs/January%202024/January%202024%20Week%204%20-%20Critial%20Illness.png) [Residents](https://www.tmait.org/blog/topic/residents) # Guaranteed Acceptance for $20,000 of TMA Member Critical Illness Insurance 25 January 2025 As a physician, you grasp the fragility of life better than most and no doubt grapple with life’s uncertainties yourself. If you or someone you love has had to confront an unexpected, life-altering illness, you can truly appreciate how devastating it would be navigating one's declining health and the threat of inadequate finances to pay for treatment. The costs associated with critical illness are undeniably high. Necessary medical expenses for critical care often extend well beyond traditionally covered costs. An unforeseen serious illness could potentially jeopardize your financial security. TMA Insurance Trust is taking special care to bring your attention to the **TMA Member Critical Illness Insurance Plan, issued by The Prudential Insurance Company of America.** It stands as an ideal supplement to help address high medical and non-medical out-of-pocket costs and the benefit limits of your primary health insurance. TMA Insurance Trust is extending a unique, limited-time opportunity to its members. **From January 25, 2025 through February 28, 2025, members under the age of 65 are guaranteed acceptance for $20,000 of TMA Member Critical Illness Insurance coverage.** [![We're here to help - CLICK HERE or call today](https://no-cache.hubspot.com/cta/default/400074/f1028049-dc7a-4f66-bc55-4d7e534d3cd2.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/f1028049-dc7a-4f66-bc55-4d7e534d3cd2)***[800-880-8181](tel:800-880-8181) 8:00 – 5:00 CST Monday – Friday*** ## Get Cash To Help Cover Your Critical Care Expenses The TMA Member Critical Illness Plan isn't just insurance, it's a shield to help protect against the financial burden that accompanies serious illnesses. Receive a lump sum of $20,000 paid directly to you upon the diagnosis of a covered illness. Help ease some of your financial burdens during an already stressful time by utilizing your benefit in any way you choose. Whether it's to fund costly experimental treatments, diminish the impact of lost income, or cover high health insurance deductibles and office co-pays—use the money to help alleviate the financial strain during this challenging time. Some of the critical illnesses that are covered and the percentage of the benefit amount that will be paid upon diagnosis are outlined below: - Alzheimer’s Disease – 100% - Cancer – Invasive – 100% - Heart Attack – 100% - Major Organ Failure – 100% - Renal (kidney) Failure – 100% - Stroke– 100% - Cancer – Non-Invasive, other than Skin Cancer – 100% Additional illnesses including Multiple Sclerosis, Parkinson’s Disease, and more are also covered, and the benefit is a specified percentage of the total benefit. ## Guaranteed Protection As an enrolled member, your spouse or domestic partner is also eligible for $10,000 of coverage with guaranteed acceptance. Importantly, no medical questions will be asked, and there will be no underwriting required for this coverage. Moreover, you have the eligibility to apply for a total coverage amount of up to $250,000. Additional benefits and features of the TMA Member Critical Illness Insurance Plan: - Acceptance is guaranteed for $20,000 of coverage for members under the age of 65. - Acceptance is guaranteed for $10,000 of coverage for a member’s spouse under the age of 65. - There is no physical exam required and there are no medical questions to answer. - There are no deductibles, no co-pay, and no co-insurance to worry about. - You are paid no matter what other insurance you may have. - You can apply for more coverage - get up to $250,000 of total coverage. - Spouse and family coverage is available. - It’s easy to enroll - enroll online or by contacting an advisor. - Your coverage stays with you regardless of your employment status as long as you are a TMA member. ## Act Now for Guaranteed Acceptance The opportunity for TMA members under age 65 to get guaranteed acceptance for the TMA Member Critical Illness Insurance Plan begins on January 25, 2025 and will end February 28, 2025. Enrolling is quick and straightforward. To apply online, click the button below. [![START MY COVERAGE](https://no-cache.hubspot.com/cta/default/400074/26aa10cd-c7df-46be-b638-858a87eeb06e.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/26aa10cd-c7df-46be-b638-858a87eeb06e) No one ever wants to envision themselves facing a critical illness. If we could predict it, we'd certainly do our utmost to prepare ourselves. The TMA Member Critical Illness Plan goes beyond health insurance; it’s your gateway to a future where you can confront the unpredictable with unwavering confidence. If you need assistance, an advisor is ready to take your call at 800-880-8181, Monday through Friday, 8:00 am to 5:00 pm, CST. [![New Call-to-action](https://no-cache.hubspot.com/cta/default/400074/0002c54b-d442-4272-b587-fabb93e28c71.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/0002c54b-d442-4272-b587-fabb93e28c71) For over 70 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. **This coverage is not health insurance coverage (often referred to as “major medical coverage”)**.   Group Critical Illness Insurance coverage is a limited benefit policy issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. Prudential’s Critical Illness Insurance is not a substitute for medical coverage that provides benefits for medical treatment, including hospital, surgical and medical expenses and does not provide reimbursement for such expenses. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions which may apply. If there is a discrepancy between this document and the Booklet-Certificate/Group Contract issued by The Prudential Insurance Company of America, the Group Contract will govern. A more detailed description of the benefits, limitations, exclusions applicable are contained in the Outline of Coverage provided at time of enrollment. Please contact Prudential for more information. Contract provisions may vary by state. Contract Series: 114774. 1076842-00001-00 ** [ Residents ](https://www.tmait.org/blog/topic/residents) [, Independent Physician ](https://www.tmait.org/blog/topic/independent-physician) [, Employed Physicians ](https://www.tmait.org/blog/topic/employed-physicians) [, Practice Owners ](https://www.tmait.org/blog/topic/practice-owners) [, Locum Tenens ](https://www.tmait.org/blog/topic/locum-tenens) [, Insurance for Women ](https://www.tmait.org/blog/topic/insurance-for-women) [, Women Physicians ](https://www.tmait.org/blog/topic/women-physicians) [, Young Physicians ](https://www.tmait.org/blog/topic/young-physicians) ** [Critical Illness Insurance](https://www.tmait.org/blog/topic/critical-illness-insurance) [**Previous Entries](https://www.tmait.org/blog/exclusive-for-tma-members-5000/month-disability-insurance-benefit) [Next Entries**](https://www.tmait.org/blog/dental-insurance-opening-doors-to-better-health-and-savings) ## Recommended Posts ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) ### [Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/blog/unexpected-doesnt-have-to-mean-unprepared-this-summer) ### [When “Easy Online” Life Insurance Wasn’t So Easy](https://www.tmait.org/blog/when-easy-online-life-insurance-wasnt-so-easy) ### [One Plan for the Year—Travel Insurance That Covers Every Trip](https://www.tmait.org/blog/one-plan-for-the-year-travel-insurance-that-covers-every-trip) ### [Disability Insurance—Without Gender-Based Pricing Discrimination](https://www.tmait.org/blog/disability-insurance-without-gender-based-pricing-discrimination) ### [Mind the Gap: Why Your Employer’s Disability Coverage May Fall Short](https://www.tmait.org/blog/mind-the-gap-why-your-employers-disability-insurance-coverage-may-fall-short) ### [When Your Family Depends On You: Disability Insurance for Physicians](https://www.tmait.org/blog/when-your-family-depends-on-you-disability-insurance-for-physicians) ### [How TMA Insurance Trust Reinvests in You](https://www.tmait.org/blog/how-tma-insurance-trust-reinvests-in-you) ### [Avoiding The High Cost of Silent Illnesses](https://www.tmait.org/blog/avoiding-the-high-cost-of-silent-illnesses-critical-illness) ### [A View from the Other Side of the Stethoscope](https://www.tmait.org/blog/a-view-from-the-other-side-of-the-stethoscope-critical-illness) ### [When a High-Deductible Health Plan Meets Critical Illness](https://www.tmait.org/blog/when-a-high-deductible-health-plan-meets-critical-illness) ### [You Treat Illness, But Can You Afford It? 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