Group health insurance is often labeled a benefit only large practices can get, but that’s not the full picture. Depending on your situation, you might have more options than you think.
Having the right health plan is about more than just checking a box. It’s a way to help protect yourself, your family, and your practice. It’s not just about flexibility or having more providers in-network—a well-chosen plan may help you keep rising healthcare costs in check.
For 70 years, TMA Insurance Trust has helped Texas physicians find coverage aligning with their lives, work, and practice. Our insurance market knowledge has allowed us to identify special group health options others may overlook—making coverage more accessible. In fact, our research shows you may qualify for group PPO coverage even if you don’t have employees.
Do You Qualify for Group Health Insurance?
Whether you own a practice (or are considering starting one), are part of a partnership, or work independently without employer-sponsored benefits, group health coverage may be available to you—including PPO plans.
Physicians can qualify for group plans in several ways, such as:
- If you are a practice owner with employees, you can offer your staff access to quality health insurance through group PPO and HMO plans—potentially helping with costs while attracting and retaining skilled staff.
- If you are a practice owner whose staff have their own coverage, you may still qualify for group PPO coverage for yourself and your family, even if your employees are insured elsewhere—such as through a spouse’s plan or another provider.
- If you are a partner without W-2 employees, you may be eligible for group coverage just for yourself by providing partnership documentation and your company’s SS4 or recent K-1 (Form 1065).
- If you own a business with your spouse or your spouse is a W-2 wage employee, you may qualify for group health insurance without needing partnership documentation.
- If you are starting your own practice, TMA Insurance Trust can help you set up a group health plan that will provide coverage for you and your employees from day one.
Additionally, if you select a high-deductible health plan, you can open a Health Savings Account (HSA), which provides tax advantages, spending flexibility, and ongoing savings and investment opportunities.
Service That Goes Beyond Coverage
At TMA Insurance Trust, we’re committed to helping you manage your health plan as simply as possible. We work directly with insurance carriers on your behalf. With no sales-based commissions influencing our recommendations, we focus on helping you find coverage that fits—and continues to meet your needs. That way, managing your plan is easier year-round.
Here’s what that looks like for you:
- We assist with employee enrollment and dependent coverage, helping ensure your staff and their families have access to protection.
- We help with plan adjustments and terminations as your practice changes.
- We provide temporary ID cards and policy information so everyone has what they need when needed.
- We offer billing assistance and customer service support at no additional cost to help address questions and resolve issues.
Taking some of these administrative tasks off your plate helps you and your team focus on caring for patients and running the practice.
Your Trusted Group Health Insurance Resource
Choosing the right coverage is important—but it doesn’t have to be complicated. We’ve done the research and know what to look for. Our goal is to guide you toward finding the group PPO coverage you deserve and identify ways to reduce costs. It’s why more than 800 medical groups across Texas have chosen TMA Insurance Trust to support their health insurance decisions.
If you’re wondering what options are available—or what’s possible for your practice—it’s worth having a conversation. Click below or call a TMA Insurance Trust advisor at 800-880-8181, Monday through Friday, 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.
