A sudden diagnosis of a serious illness can be life-altering, impacting your ability to work and provide for your loved ones. During these uncertain times, getting the care you need is essential but these costs can quickly add up, putting your financial security at risk. Even with your current health insurance plan, the cost of critical care may far exceed what your traditional health insurance will cover.
The TMA Member Critical Illness Insurance plan is designed as a proactive measure to help provide additional support, complementing your current health insurance. From January 25th, 2025 until February 28th, 2025, TMA members under 65 are guaranteed acceptance for $20,000 in coverage. This lump sum benefit is paid directly to you upon diagnosis of a covered illness. You can use it where you need it most – from helping cover high out-of-pocket deductibles or copays, funding necessary medical treatments to non-medical costs, or supplementing loss of income. Securing this coverage helps protect your finances and provides greater peace of mind, allowing you to focus fully on your treatment.
Comprehensive Coverage Against the Unexpected
In the midst of your busy schedule, it can be easy to overlook the possibility of being confronted with a critical illness. Yet with the unpredictable nature and timing of a serious illness, being prepared is crucial to help shield against the financial burdens that result from an unexpected diagnosis.
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%
Additionally, if you were to experience a reoccurrence of a covered illness you would receive 50% of the benefit you received for the first occurrence to assist with ongoing care. The plan also covers conditions such as Multiple Sclerosis, Parkinson’s, and more, with benefits provided as a percentage of the full coverage amount.
Once enrolled your spouse or domestic partner under age 65, is also eligible to apply for $10,000 of coverage with guaranteed acceptance. No medical questions asked or underwriting is required, and members are eligible to apply for coverage of up to $250,000.
Additional benefits and features of the TMA Member Critical Illness Insurance plan:
- Guaranteed acceptance for $20,000 of coverage for TMA members under age 65.
- Guaranteed acceptance for $10,000 of coverage for the member’s spouse under age 65.
- No physical exam or medical questions to answer.
- A $20,000 lump sum is paid directly to the participant when diagnosed with a covered illness.
- No deductibles, co-pays, or co-insurance to worry about.
- Pays regardless of any other insurance you may have.
- You can apply for more coverage - up to $250,000 of total coverage.
- Spouse and family coverage available.
- As long as you’re a TMA member, coverage stays with you regardless of your employment situation.
- Ease of enrollment – you can enroll online, or by contacting an advisor.
Easy Enrollment, Guaranteed Acceptance
Don’t wait, ensure you have a more comprehensive financial safety net in place for the future so you can focus on your health if faced with a critical diagnosis. Enrollment is easy and hassle-free, and applying by February 28th ensures guaranteed acceptance for members under age 65. Apply online by clicking the button below or if you have any questions, our experienced advisors are ready to take your call at 800-880-8181, Monday through Friday from 8:00 AM to 5:00 PM, CST.
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.
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