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.
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.
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.
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