As an independent locum tenens physician, you enjoy many benefits. Due to the shortage of physicians in Texas, your skills are in great demand. You get to decide when and where you want to work. And you don’t have to wait around for insurance reimbursements to get paid.
Yet despite all these advantages, being a locum tenens physician is not without its challenges. One of the most daunting is having to provide your own benefits. Unlike employed physicians who have a robust employee benefits package, as an independent contractor you are left to find your own coverage.
Finding Health Insurance Coverage
Health insurance is the main concern of most locum tenens physicians. If you are not covered under your spouse’s policy, there are other ways to get major medical coverage. The first is through the annual health insurance open enrollment period that runs every year between November 1 to December 15.
This year, due to the impact of the pandemic, there is a second open enrollment window from February 15 to May 15, 2021. To shop for coverage for yourself and your family, visit Blue Cross Blue Shield of Texas to review your options and enroll online. You can also contact a TMA Insurance Trust advisor for assistance.
How TMA Insurance Trust Can Help
If you just left a situation where you had employer coverage, you may have another option. If you lost employer coverage within the past 60 days, you may qualify for a special enrollment period. If you qualify, please contact a TMA Insurance Trust health insurance advisor for a free consultation. But please be advised that you must act quickly. Once the 60-day deadline passes, you may have to wait until the next open enrollment to sign up for major medical coverage.
Even if you have already secured health insurance, TMA Insurance Trust can still help you. Talk with our advisors about how accident insurance, critical illness insurance and supplemental hospital plans can help you cover some of the deductibles, copays and coverage limits that are common with many of today’s health plans.
Complete Your Benefits Package
Health insurance is important, but it is not the only benefit you need. TMA Insurance Trust can help complete your benefits package with dental insurance, life, disability, long term care, umbrella liability, homeowners, and auto insurance.
Extra Savings for TMA Members
We serve and support all Texas physicians, including locum tenens. However, if you are also a TMA member, we have even better news for you.
As a locum tenens physician, protecting your income is one of the most important steps you can take to secure your future. Disability insurance will help replace your income if a prolonged illness or injury prevents you from practicing medicine. TMA Insurance Trust has negotiated exclusive, members-only savings on disability insurance. Talk to one of our disability insurance advisors for more information about these special offers.
Independent, but not Alone
Even though you work independently, you are not alone. TMA Insurance Trust values the work you do, and our mission is to support you.
As a locum tenens physician, you enjoy greater control over your life. And now with TMA Insurance Trust, you can enjoy greater control over your benefits package too. Our advisors will work with you to understand your needs, compare different options, and help you customize a benefits package that fits your unique situation and your budget. This consultation is free and with no obligation.
The insurance benefits you need are just a click or a phone call away. Contact us today.
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.
