Physicians are like everyone else in at least one respect – no one is immune to the possibility of a serious illness.

Every year, 720,000 Americans have a heart attack.¹ Every 40 seconds a stroke occurs.² And in the United States, the risk of developing cancer is 1 in 3 for both men and women.³

And here is another sobering thought: With the higher deductibles, copays and coverage limits of many of today’s health insurance plans, it’s very likely that your primary health insurance will not cover all the expenses related to a prolonged serious illness.

That is why we are offering TMA members guaranteed acceptance for $20,000 of critical illness insurance.

THE CLOCK IS TICKING

Whether you’re looking for your own health insurance, or wish to offer coverage to your employees, it’s easy to appreciate the benefits of PPO health insurance.

Practice owners who are shopping for health insurance during Open Enrollment, between November 1st and December 15th, can consider ways to control the cost of their health insurance. Some may think that increasing the deductible – the amount each employee would need to pay before the insurance company begins to pay benefits – is the way to offset a premium increase. However, it may be worth considering another way to manage costs so benefits can be maintained or made more affordable to the practice.

It’s Health Insurance Open Enrollment – and time is running out to make health insurance decisions. But this could also be a hectic time for your practice. And the last thing you probably want to do is sort through plans, rates and the complexities of today’s health insurance market.

This is when you can – and should – reach out to a group health insurance specialist.

As you operate your independent medical practice, do your expenses ever decrease? You may scoff at such a question. No doubt each year, as you look at the cost of providing employee benefits, it appears that health insurance premiums only climb … higher and higher.

However, TMA Insurance Trust has done the research and uncovered an option for practice owners to control their group health insurance costs. What is more, this option can even make it possible for practice owners to obtain group PPO coverage for themselves and even offer a group health insurance plan to employees without impacting your bottom line. How is this possible?

THE CLOCK IS TICKING

The clock is winding down on Health Insurance Open Enrollment. So we want to let you know that there are important opportunities available for those practices that have not yet finalized their health insurance decisions.

We know this is a busy time for most physicians. And it may seem easier to stay with health insurance you are not satisfied with rather than investigate new plans, rates and carriers.

But our advisors are here to help take the hassles out of shopping for and enrolling in a health insurance plan. And they can help you take advantage of opportunities that are only available during Open Enrollment.

As a small practice owner, you are very busy playing all the roles that you are required to fill. You must care for your family’s needs, but also your patients’ - while not forgetting the needs of your practice staff. There is much on your plate - and that’s why we at TMA Insurance Trust feel that you deserve special consideration and support, and are looking out for your welfare during the Health Insurance Open Enrollment time period.

As a practice owner, you understand that employee health insurance and other benefits are a necessary expense to maintain a quality staff. But think about the quality of those benefits, as well as the level of service you receive from your agent. Does it feel like you are getting the best value and service for the price you pay?