As an independent physician working as a locum tenens, a contractor, or within a hospital system but without employer-sponsored health insurance, you might not realize that you can still qualify for group health insurance. While many of your peers in corporate environments benefit from employer-sponsored coverage, you deserve access to similar benefits. Fortunately, with Open Enrollment Special Options from TMA Insurance Trust, you may qualify for group PPO coverage—known for its flexibility and ability to see specialists without referrals—so you don't have to settle for an individual HMO. This could open doors to better health insurance, giving you the control and quality of care you prefer.
Uncovering the Possibilities
Many assume an individual HMO plan is their only choice. However, TMA Insurance Trust has researched special options that allow independent physicians like you to explore group PPO health insurance—even if you don’t have employees to cover. It’s a great way to ensure you and your family have the comprehensive health coverage you need.
- For Practice owners looking for group coverage for their practice - there are initial enrollment opportunities available only during Open Enrollment to help practices manage the cost and be able to offer your employee’s group health insurance – including a mix of group PPO and HMO plans.
- For Practice owners with staff on their own health coverage (spouse’s plan or another provider) may be able to get PPO coverage just for themselves and their family.
- For Partners with no W-2 employees may be eligible for group coverage only for yourself. You’ll need to provide partnership documentation and the company’s SS4 or recent K-1 (Form 1065).
- For Physicians who own a business with their spouse, or their spouse is a W-2 wage employee, you may qualify for group coverage even without partnership documentation.
- Establish a Health Savings Account (HSA), If you select a high deductible health plan to manage costs better, you can open an HSA. These accounts offer tax advantages, spending flexibility and ongoing saving and investment opportunities.
- Physicians opening your own practice, TMA Insurance Trust can help you with starting your own group plan.
With these varied options, TMA Insurance Trust makes it easier for independent physicians to find the right group health insurance solution. From flexible PPO plans to "group of one" coverage, the possibilities are tailored to your unique situation, offering both flexibility and comprehensive care.
Special Options Available for a Limited Time
During Open Enrollment (November 1st – December 15th), TMA Insurance Trust offers exclusive options that make qualifying for group health insurance easier for practice owners and independent physicians:
- Participation Waiver – You don’t need to meet the typical employee enrollment requirements to qualify for group coverage.
- Contribution Waiver – You can choose what portion of the premium you want to contribute, making group coverage more affordable.
Don’t miss out. These waivers are only available during Open Enrollment.
Experience the TMA Insurance Trust Difference
Even though you're an independent physician, you don’t have to be independent when it comes to finding the right fit for your healthcare coverage. Since 1955, our mission has been to support Texas physicians by helping them to secure the right insurance coverage. We provide:
- Personal, hands-on service – Over 800 practices across Texas rely on TMA Insurance Trust for their health coverage, benefitting from the dedicated care and support we provide.
- No sales commissions – Our advisors are not motivated by commissions, ensuring your best interests are always at the forefront.
- Expert guidance – With access to leading insurance carriers, our advisors help guide you to the best options for your situation, making the process of finding and enrolling in health insurance hassle-free.
Our advisors are here to help streamline the process and assist you in preparing all the required paperwork for submission by December 11, 2024, ensuring that your coverage begins on January 1st, 2025. Don't miss this opportunity to secure the preferred PPO plan you deserve.
Contact a TMA Insurance Trust advisor and let us help you find the healthcare coverage that fits your needs at 800-880-8181, Monday to Friday, 8:00 am to 5:00 pm CST. A no-cost, no-obligation consultation and rate quote are available—reach out today and see how these options may benefit you.
For over 65 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.
