--- title: Secure $20,000 of Critical Illness Coverage for You, $10,000 for Your Partner description: A diagnosis you don’t plan for can turn your world upside down. It’s a reality faced by millions each year. image: https://www.tmait.org/hubfs/February%202025/February%202025%20Week%201%20-%20Critical%20Illness.png --- - [800-880-8181](tel:800-880-8181) - [CONTACT US](https://www.tmait.org/contact) - [SELF-SERVICE PORTAL](https://tmait.aebsys.com/#/) [![](https://www.tmait.org/hs-fs/hubfs/TMA%20Insurance%20March%202019/Image/logo.png?width=197&name=logo.png)](https://www.tmait.org/) Topics All Accident Insurance Accidental Death and Dismemberment Auto & Home Insurance Auto Insurance Business of Medicine Business Overhead Expense Insurance Comparing Insurance Providers COVID-19 FAQs Critical Illness Insurance Dental Insurance Disability Insurance Employed Physicians Family Featured Financial Advice Group Benefits Group Coverage Health Insurance Homeowners Insurance HSA Independent Contractor Independent Physician Individual Coverage Insurance For Good Insurance for Women Insurance Review Key Person Insurance Life Events Life Insurance Locum Tenens Medevac Insurance Medical Insurance Medical Practice Medicare Medicare Part D Medicare Supplement Medigap Nearing Retirement Office Overhead Expense Insurance Open Enrollment Personal Umbrella Insurance Pet Insurance Practice Management Practice Managers Practice Owners Prescription Drug Coverage Renters Insurance Residents Retired Physicians Retirement Short Term Disability Short-Term Medical Insurance Supplemental Hospital Indemnity Insurance Term Life Insurance Travel Insurance Vision Insurance Women Physicians Young Physicans Young Physicians ![](https://www.tmait.org/hubfs/February%202025/February%202025%20Week%201%20-%20Critical%20Illness.png) [Residents](https://www.tmait.org/blog/topic/residents) # Secure $20,000 of Critical Illness Coverage for You, $10,000 for Your Partner 1 February 2025 A diagnosis you don’t plan for can turn your world upside down. It’s a reality faced by millions each year. In 2024 alone, two million new cancer cases were diagnosed nationwide,1 with 147,910 projected in Texas.2 Strokes, Alzheimer’s disease, and major organ failure are among the many life-altering conditions that take a devastating toll. In the United States, a heart attack occurs every 40 seconds.3 These aren’t just numbers—they represent your patients, family, and friends whose lives have been forever changed. A critical illness disrupts daily routines, strains relationships, and threatens financial stability. Like anyone, you face these same risks. While you dedicate yourself to caring for others, it’s worth asking: who will help protect your financial well-being if the unexpected becomes a reality? TMA Insurance Trust understands the challenges a serious illness can bring and is here to help you navigate life after a diagnosis.** With *guaranteed acceptance*, enrolling in the TMA Member Critical Illness Insurance plan helps you prepare for the unexpected with $20,000 of coverage for you and $10,000 for your spouse or partner.** [![We're here to help - CLICK HERE or call today](https://no-cache.hubspot.com/cta/default/400074/f1028049-dc7a-4f66-bc55-4d7e534d3cd2.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/f1028049-dc7a-4f66-bc55-4d7e534d3cd2)***[800-880-8181](tel:800-880-8181) 8:00 – 5:00 CST Monday – Friday*** ## A Plan for You and Your Loved Ones With the cost of living continuing to rise, many people turn to more affordable health plans to lower their monthly premiums. While these plans can help save on upfront costs, they often come with higher deductibles, copays, and coinsurance—leaving policyholders to cover significant out-of-pocket expenses during a serious illness. The TMA Member Critical Illness Insurance plan complements your primary health insurance, offering a financial cushion to help with unexpected expenses. Key benefits include: - **Guaranteed acceptance for you**: Acceptance is guaranteed for TMA members under age 65, with $20,000 of coverage and no medical exams required or health questions asked. - **Guaranteed acceptance for your spouse or partner**: If you enroll, your spouse or domestic partner under 65 is eligible for $10,000 of guaranteed coverage when they enroll—no medical questions or exams are required. A critical illness diagnosis often brings additional financial pressures, such as lost income, childcare or in-home care costs, and costly modifications to your home or vehicle to aid your recovery. With coverage through TMA Insurance Trust, **benefits are paid directly to you upon diagnosis of a covered illness—giving you control over how to use the funds.** ## Additional Features to Support Your Recovery Along with these key benefits, the plan offers additional features designed to help protect you and your loved ones: - **No additional costs**: There are no deductibles, co-pays, or coinsurance to worry about, and benefits are paid regardless of any other insurance you may have. - **Flexible protection**: You can apply for additional coverage—up to $250,000—based on your needs. - **Comprehensive coverage options**: Spouse and family coverage are available to help ensure your loved ones are also protected. - **Ongoing security**: Your coverage remains active as long as you’re a TMA member, regardless of changes to your employment situation. Whether it’s helping with uncovered medical costs, supplementing lost income, or providing added support for your loved ones, the TMA Member Critical Illness Insurance plan can help ease some of your financial stress and allow you to focus on recovery. ## Simple and Easy Enrollment You can enroll in the TMA Member Critical Illness Insurance plan online by clicking below or by calling 800-880-8181, Monday through Friday, from 8:00 AM to 5:00 PM CST. While critical illnesses are unpredictable, receiving a cash benefit upon diagnosis can offer valuable reassurance, helping ensure you have the financial support needed during challenging times. Our advisors are ready to answer your questions and guide you through enrollment. [![START MY COVERAGE](https://no-cache.hubspot.com/cta/default/400074/26aa10cd-c7df-46be-b638-858a87eeb06e.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/26aa10cd-c7df-46be-b638-858a87eeb06e)[![New Call-to-action](https://no-cache.hubspot.com/cta/default/400074/0002c54b-d442-4272-b587-fabb93e28c71.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/0002c54b-d442-4272-b587-fabb93e28c71) For over 70 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. 1. American Cancer Society, Cancer Facts & Figures 2024, January 2025 2. American Cancer Society, Explore Cancer Statistics, January 2025 3. American Heart Association, 2024 Heart Disease and Stroke Statistics Update fact Sheet, January 2025   **This coverage is not health insurance coverage (often referred to as “major medical coverage”)**.   Group Critical Illness Insurance coverage is a limited benefit policy issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. **Prudential’s Critical Illness Insurance is not a substitute for medical coverage that provides benefits for medical treatment, including hospital, surgical, and medical expenses, and it does not provide reimbursement for such expenses.** The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. If there is a discrepancy between this document and the Booklet-Certificate/Group Contract issued by The Prudential Insurance Company of America, the Group Contract will govern. A more detailed description of the benefits, limitations, and exclusions applicable are contained in the Outline of Coverage provided at time of enrollment. Please contact Prudential for more information. Contract provisions may vary by state. Contract Series: 114774. 1084710-00004-00 ** [ Residents ](https://www.tmait.org/blog/topic/residents) [, Individual Coverage ](https://www.tmait.org/blog/topic/individual-coverage) [, Critical Illness Insurance ](https://www.tmait.org/blog/topic/critical-illness-insurance) [, Family ](https://www.tmait.org/blog/topic/family) [, Independent Physician ](https://www.tmait.org/blog/topic/independent-physician) [, Employed Physicians ](https://www.tmait.org/blog/topic/employed-physicians) [, Practice Owners ](https://www.tmait.org/blog/topic/practice-owners) [, Practice Managers ](https://www.tmait.org/blog/topic/practice-managers) [, Locum Tenens ](https://www.tmait.org/blog/topic/locum-tenens) [, Independent Contractor ](https://www.tmait.org/blog/topic/independent-contractor) [, Insurance for Women ](https://www.tmait.org/blog/topic/insurance-for-women) [, Women Physicians ](https://www.tmait.org/blog/topic/women-physicians) [, Young Physicians ](https://www.tmait.org/blog/topic/young-physicians) ** [Life Events](https://www.tmait.org/blog/topic/life-events) [**Previous Entries](https://www.tmait.org/blog/help-safeguard-your-finances-with-20000-of-tma-member-critical-illness-insurance) [Next Entries**](https://www.tmait.org/blog/two-powerful-guarantees-critical-illness-coverage-designed-for-texas-physicians) ## Recommended Posts ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) ### [Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/blog/unexpected-doesnt-have-to-mean-unprepared-this-summer) ### [When “Easy Online” Life Insurance Wasn’t So Easy](https://www.tmait.org/blog/when-easy-online-life-insurance-wasnt-so-easy) ### [One Plan for the Year—Travel Insurance That Covers Every Trip](https://www.tmait.org/blog/one-plan-for-the-year-travel-insurance-that-covers-every-trip) ### [Disability Insurance—Without Gender-Based Pricing Discrimination](https://www.tmait.org/blog/disability-insurance-without-gender-based-pricing-discrimination) ### [Mind the Gap: Why Your Employer’s Disability Coverage May Fall Short](https://www.tmait.org/blog/mind-the-gap-why-your-employers-disability-insurance-coverage-may-fall-short) ### [When Your Family Depends On You: Disability Insurance for Physicians](https://www.tmait.org/blog/when-your-family-depends-on-you-disability-insurance-for-physicians) ### [How TMA Insurance Trust Reinvests in You](https://www.tmait.org/blog/how-tma-insurance-trust-reinvests-in-you) ### [When “Easy Online” Life Insurance Wasn’t So Easy](https://www.tmait.org/blog/when-easy-online-life-insurance-wasnt-so-easy) ### [Don’t Let a Busy Schedule Block Your Disability Protection](https://www.tmait.org/blog/dont-let-a-busy-schedule-block-your-disability-insurance-protection) ### [Do Online Life Insurance Promises Tell the Whole Story?](https://www.tmait.org/blog/do-online-life-insurance-promises-tell-the-whole-story) ### [Great Salary, No Safety Net: Protecting the Income that Powers it All](https://www.tmait.org/blog/great-salary-no-safety-net-protecting-the-income-that-powers-it-all-short-term-disability) ### [The Blind Spot in Your Disability Coverage](https://www.tmait.org/blog/the-blind-spot-in-your-disability-coverage-short-term-disability) ### [Avoiding The High Cost of Silent Illnesses](https://www.tmait.org/blog/avoiding-the-high-cost-of-silent-illnesses-critical-illness) ### [A View from the Other Side of the Stethoscope](https://www.tmait.org/blog/a-view-from-the-other-side-of-the-stethoscope-critical-illness) ### [You Treat Illness, But Can You Afford It? 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