Limited choices and skyrocketing health-care premiums have left you few options for providing quality health coverage for the people you care about. Fewer carriers are offering HMOs in the Texas marketplace, and the plans offered may be as much as 40% more costly for individuals and families, while PPO plans preferred by physicians have almost disappeared from the marketplace.

Find out if you qualify for a special group PPO option.

Many insurers either cancelled health plans or made widespread changes to their networks and benefits. Deductibles and monthly premiums have increased, along with out-of-pocket costs for copays and co-insurance. Advocating for members, the TMA Insurance Trust has worked with many offices to help determine if they are eligible for a valuable PPO health insurance options on a group basis, even if they have not thought about a group plan in the past.

Many physicians and their families prefer PPOs for the convenience, flexibility and comprehensive coverage offered. A PPO gives your family the freedom to go out of network for services and the ability to see specialists without a referral from a primary-care physician. And the good news is: a group PPO plan may end up costing less in monthly premiums than some individual HMOs.

Now there’s a way for solo practitioners to enroll in a special group PPO option, even if you are not currently offering group coverage to your employees. You may qualify for this group PPO option if you have a practice with two employees on payroll not married to each other. If you wish, this offer can also be extended to your employees.

Let us handle the hassles of Health Insurance Open Enrollment.

Why spend hours comparing plans and reading the fine print when a licensed TMA Insurance Trust advisor can help you navigate the complex benefit changes and underwriting criteria? As a full-service insurance agency, we do the research and groundwork, staying on hold with insurance companies, handling claims, customer service and billing issues, so you don’t have to waste precious time.

Your health care solution is a phone call away.

Don’t let changes in the health-insurance marketplace and a busy schedule prevent you from getting the preferred health plan you and your family deserve. Let us help you alleviate the stress of Health Insurance Open Enrollment. There’s still time to come out ahead with a special group PPO option for you and your family.

Remember, this special PPO option is only available until December 15, 2016. Don’t delay. Schedule your consultation now to avoid the rush.

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.