As your life changes, your needs for health insurance change as well. Perhaps you are about to change employers, complete your residency, open your own practice, get married, or welcome a new child. If so, all of these life changes (and more) can affect your need for health insurance. Because health insurance coverage is part of your essential insurance protection, we are here to guide and support you in making the right choices at the right time. Let us help you choose the right coverage for your needs at the best price available.

If you ask most independent practice owners, chances are they will tell you that owning a medical practice can be immensely rewarding – but also very challenging.

On the one hand, you have the freedom to practice medicine on your own terms. But you also have an added layer of responsibilities. You are not only responsible for the care of your patients, but you must also look out for the welfare of those who work beside you every day.

So if for some reason you were not able to go to work – if you were ill or unexpectedly injured – that could have significant financial ramifications for you, for your staff and for your practice.

As a medical practice owner, you work incredibly hard for the benefit of your patients, and you deserve sincere and whole-hearted thanks. We appreciate all the good you do for your patients, your staff, and your community.

One of the ways we have chosen to express our appreciation is by creating the TMA Member Business Overhead Expense plan issued by The Prudential Insurance Company of America. This plan is designed to help protect your practice, and your savings if you become too sick or injured to work. If you don’t already have this coverage, now may be the right time to seriously consider it.

As a physician you’re probably well aware of the importance of disability insurance. It is generally considered essential coverage by most industry experts.

But like most physicians, you’re also likely to be extremely busy. And disability insurance may not be on the top of your mind – especially if you already have a policy.

But what if you could pay 25% less for a quality disability insurance policy? Would it be worth your time to learn more?

No one understands Texas physicians better than the TMA - that’s why, in 1955, the TMA Insurance Trust was founded. Our goal is to take care of your needs like no other insurance company can. One of the ways we are striving to do this is by expanding our coverage and making more insurance products available to our valuable members.

Do you have enough life insurance coverage? Perhaps you may believe that, while you have some insurance, you would like to have increased coverage. But obtaining additional insurance may seem like an inconvenience - and with the demanding workload you have as a physician, you don’t have the time to deal with the process.

That’s why we at TMA Insurance Trust are excited to share with our members a way to get up to $1,000,000 in life insurance coverage with an online application process that is streamlined to save you time and effort.

There are some people who believe that if they don’t buy health insurance during the Open Enrollment period at the end of the year, they won’t be able to get health insurance until open enrollment begins again. But for physicians in certain circumstances, health insurance may be available at other times. In fact, you may be eligible right now to review your coverage and make changes.

As a solo practitioner or partner in a practice, you’re responsible for paying monthly overhead expenses that keep your business up and running. If something happens and you’re unable to work due to a disabling injury or illness, the personal disability insurance you have won’t be enough to cover your payroll and business operating expenses.