Being a physician is challenging even in the best of times. However, since the beginning of the coronavirus pandemic, physicians have been under relentless pressures. Many physicians are suffering from overwork and emotional exhaustion while others are grappling with chronic worry about the financial fallout from months of lower patient volumes and lost revenue.
How many times have you heard it said: In life there are few guarantees.
As a physician you know this is especially true when it comes to our health. Like everyone else, we all face the possibility that one day we may have to confront a serious illness in our own life.
Health insurance is necessary coverage, but your coverage doesn’t offer complete protection. For your yearly exam and office visits, you may have very little personal expense. But in other circumstances, your insurance may leave a substantial balance for you to cover. What if you or a family member become injured? There may be lab tests, x-rays, professional fees, and other medical expenses. These costs can quickly accumulate.
As the new year begins, most of us are relieved to finally put 2020 behind us. More than anything, we want this new year to be a healthy one.
If you are like most TMA members, you may have just signed up for health insurance during the annual open enrollment period. However, dental insurance was probably not included in your health insurance package.
Now that the holidays are over, we take a deep breath and prepare to get through the winter months. The days are short, and the pandemic and chilly weather may make each of us feel especially isolated.
In a recent survey, 94% of Americans said that their pet has been a source of emotional support during the pandemic. If you have a pet, you know that you’re among the fortunate ones. We have the companionship of our loyal pets to see us through these dark days. The warm body curled up in our lap that brings us such comfort, the begging eyes that move us to finally get up and go outside for a walk, the playful skittering across the floor that gives us a much-needed laugh. Pets are more important now than ever. They are truly family.
First there was the seatbelt. It was considered essential protection in the event of an automobile accident. Then came the air bag – an advancement that offered added protection from bodily injury in a collision.
Today virtually every car on the road has both kinds of protection – each working to complement the safety benefits of the other.
As we turn the corner on a new year, it’s likely that you have finalized your health insurance decisions for yourself and your family. But with the higher deductibles, copays and coverage limits of most health insurance plans today, many of our clients are choosing to supplement their primary coverage with an additional kind of protection – accident insurance.
Though 2020 will always be remembered (for obvious reasons), it’s safe to say that we’re all ready for a fresh start in 2021. Many Texans are embracing the new year by setting goals and resolutions. We may set a goal to exercise daily, read a book each month, stay in touch with extended family, or learn to play an instrument. For others, the goal of saving money is both practical and necessary.
THE CLOCK IS TICKING
Health Insurance Open Enrollment is almost over. If you have not yet finalized your health insurance decisions for a January 1st effective date, it is imperative that you contact us now for assistance. TMA Insurance Trust wants to help you take advantage of important opportunities that are available to you during this limited time. If you contact us right away, we may still be able to help you obtain coverage.
