Are you an independent physician? Would you like better health insurance for 2023? Are you aware you may be eligible for special group health insurance options?

It’s Open Enrollment. At this time you may be able to find health insurance that works better for you than the coverage you have now. In fact, there are special group health insurance options that may let you qualify for a group health plan – even if you have no employees.

See Options For Group PPO and HMO Plans

As an independent physician, you may not be aware of this, but through our research we’ve found certain health insurance options that may make it possible for you to qualify for group health insurance. Why is that important?

It may mean you could be eligible for more comprehensive group PPO coverage. Or, you may be able to get a group HMO plan that costs less than an individual HMO plan – with comparable benefits. Here are some key points regarding the options:

• Physicians in a partnership without W-2 employees may be eligible for group PPO health insurance. Partnership documentation and your company’s SS4 or Schedule K-1 (Form 1065) are required.
• Physicians who own a business with their spouse or own a business and employ their spouse as a W-2 wage employee may qualify for group coverage, even without partnership documentation.
• Practice owners with staff on their own health coverage (a spouse’s plan or that of another provider) can get “Group of One” PPO coverage just for themselves and their family.

Save Time – Reduce Hassles

 TMA Insurance Trust is a full service insurance agency and we offer group and individual plans from leading national carriers. If you’d like to consider your health insurance options during Open Enrollment, we can help save you time and reduce the hassles of shopping for a new plan. 

We’ll compare plans from different carriers, provide quotes and share our knowledge of the latest regulations so you don’t have to pore over health plan details and do time-consuming research. We’ve done the legwork so you don’t have to.

If you’re preparing to open your own practice, we can help you start your own group plan.

Unlike other agents and brokers, our advisors do not receive any sales-based commissions. So you can be certain their advice is offered without bias or pressure. Our mission is to provide informed guidance to help you get the best coverage that works for your budget.

Don’t Miss an Opportunity for Better Coverage

Open Enrollment has already started, so you have a limited time to make your choices. Open Enrollment documents must be completed and submitted to the insurance carrier by December 12, 2022 for a January 1, 2023 effective date. 

Don’t miss your chance to get the health insurance you want in 2023. Call for a personal, no-cost consultation at 800-880-8181, Monday to Friday 8:00 to 5:00 CST.

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.