This year has been especially challenging for practice owners ... and we don’t need to tell you why. What we do want to make clear is that we can make things a bit easier on you as you’re thinking about group health insurance choices for the coming year.
Many practices in Texas have had significant drops in revenue this year, and the cost of operating your practice must now be given special consideration. You are ever aware of this as you consider group benefits like health insurance. TMA Insurance Trust wants to give you preferential service before Open Enrollment begins; after all, we are an organization that was created to support Texas physicians.
Right now, we are offering “Pre-Open Enrollment” consultations for practice owners and managers. If you would like to take advantage of current rates, there is still time to secure a group health insurance policy until the end of 2020. You may be able to enroll with a new carrier and lock in 2020 rates. If you are thinking about insurance for the coming year, we can help you get a head start by getting to know your practice’s needs, so as soon as the 2021 rates are available, we will be prepared to move forward. In all events, we want to find the best possible coverage for your practice, while keeping in mind your practice’s budget.
Once Health Insurance Open Enrollment begins, you can expect wait times and delays because so many are looking for health insurance at once. If you contact an advisor now, you can avoid the rush and get a head start for the coming year.
Please remember that our advisors do not receive sales-based commissions, so you can have confidence in our unbiased recommendations. Our team will talk through your practice’s needs, budget, and goals for the future, and give you the best options available in Texas.
You are no doubt familiar with patients who want to take shortcuts with their health goals… shortcuts that are detrimental to their overall health in the long term. In a similar way, we educate practice owners and managers about the downside of alternative health insurance plans that may look good on the surface but can lead to problems.
Some plans provide insufficient coverage (short term plans) and there are plans that may not be financially capable of paying healthcare costs if a serious illness occurs (health sharing ministry plans). While the final decision remains yours, we want to help you get quality health insurance while helping you and your practice avoid potential traps that may end up costing you more in the long run.
Our goal is not just to attempt to save you money while securing the best possible coverage. Our advisors are committed to your success throughout the year. That means we take on as much of the administration of the health plan as possible, in order to free up your staff for other important needs.
What does that mean in a practical sense? It means that we’ll be here to help enroll your staff and family members. We’ll make sure your staff receives their insurance cards and important information. We’ll help your practice manager make changes throughout the year. And we’ll be there to work as your advocate with the insurance company if there are any issues. Your satisfaction is our primary concern, and we pride ourselves on the high-quality, hands-on service you’ll receive at no extra cost to your practice.
Before the busy days of Open Enrollment begin, let us help you by exploring the best way to configure the benefits in your group policy to fit your financial goals for the coming year. You will receive our unbiased advice and guidance without any obligation or sales pressure. Call us toll-free at 1-800-880-8181 Monday to Friday, 7:30 to 5:30 CST, or visit us online at tmait.org.
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.