--- title: Tips for Accessing Special Group PPO Options You May Not Know About description: In 2026, even if you don’t have employees, special group PPO options may allow you to qualify for group health insurance just for yourself and your family. image: https://www.tmait.org/hubfs/November_2025_Week-2_OE-Week-3_Group-Health.jpg --- - [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 ![Female doctor smiling at camera](https://www.tmait.org/hubfs/November_2025_Week-2_OE-Week-3_Group-Health.jpg) [Health Insurance](https://www.tmait.org/blog/topic/health-insurance) # Tips for Accessing Special Group PPO Options You May Not Know About 8 November 2025 Tips for Accessing Special Group PPO Options You May Not Know About 4:38 Each year, Open Enrollment offers the opportunity to review your health insurance and make sure it still aligns with how you practice medicine. If you own a small practice or work independently, you may assume your choices are limited to individual coverage, often an HMO or a short-term medical plan. ***However, for 2026, even if you don’t have employees, special group PPO options may allow you to qualify for group health insurance just for yourself and your family.*** Below are a few essential tips to help make this year’s Open Enrollment more successful. ## Tip #1: Start Early to Discover Your Options Sorting through carriers and plan details takes time, but starting early lets you explore your options without deadline pressure. Having someone who understands the Texas marketplace on your side can make the process easier. We’ve already done the research to identify special options that may allow you to access group PPO coverage: - **Practice owners seeking group coverage for their practice** can turn to TMA Insurance Trust for assistance. The special options may help your practice manage costs, allowing you to offer your employees group health insurance, including a mix of group PPO and HMO plans. - **Practice owners with staff on their own health coverage** (such as a spouse’s plan or another provider) may qualify for “group of one” PPO coverage, just for yourself and your family. - **Partners with no W-2 employees,** you may be eligible for group coverage only for yourself. You’ll need to provide partnership documentation and the company’s SS4 or recent K-1 (Form 1065). - **Physicians, if you own a business with your spouse, or your spouse is a W-2 wage employee, **you may qualify for group coverage even without partnership documentation. - **Physicians, if you are opening your own practice, **TMA Insurance Trust can help you start your group plan. Open Enrollment is the best time to take advantage of special options. - **Establish a Health Savings Account **(HSA): If you select an eligible high-deductible health plan to manage costs better, you can open an HSA. These accounts offer tax advantages, spending flexibility, and ongoing saving and investment opportunities. You’ve built a practice that works for you. Before you renew, see if one of the special, lesser-known group PPO options available during 2026 Open Enrollment could do the same for your coverage. [![We're here to help - CLICK HERE or call today](https://no-cache.hubspot.com/cta/default/400074/1876f7ad-549d-444d-8ad8-d3754e4c0e06.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/1876f7ad-549d-444d-8ad8-d3754e4c0e06)***[800-880-8181](tel:800-880-8181) 8:00 – 5:00 CST Monday – Friday*** ## Tip #2: Compare Plan Types Before You Renew Understanding how different plan types work can help you make a more informed decision. *HMO plans* often come with smaller networks and require referrals before you can see a specialist. Care outside the network may not be covered at all. *Short-term medical plans*, while sometimes less expensive, can exclude maternity care, mental health services, and pre-existing conditions. In some cases, applicants may even be denied coverage. By comparison, *group PPO plans *generally offer broader network access and more flexibility, without the need for referrals. You’re not limited to a narrow network of providers, and with special options available this year, you may qualify, with or without employees. ## Tip #3: Get Help from a Trusted Advisor Health insurance shouldn’t feel like a second full-time job. *Working with a licensed TMA Insurance Trust advisor can help ensure there are no coverage gaps and may uncover ways to improve your health insurance situation and better manage costs.* We will explain your eligibility, gather quotes, and compare plans on your behalf. This service is offered at no cost or obligation, with no sales pressure. It’s part of our ongoing commitment to support TMA members by making insurance decisions clearer and easier to navigate. ## Tip #4: Enroll and Confirm Your 2026 Coverage To have coverage in place by January 1, 2026, **please complete all enrollment paperwork by Thursday, December 11, 2025.** A TMA Insurance Trust advisor is ready to help at 800-880-8181, Monday through Friday, 8:00 AM to 5:00 PM CST. [![New Call-to-action](https://no-cache.hubspot.com/cta/default/400074/40c1327a-8f05-4c31-acf7-64936bb10f3c.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/40c1327a-8f05-4c31-acf7-64936bb10f3c) ** [ Health Insurance ](https://www.tmait.org/blog/topic/health-insurance) [, Open Enrollment ](https://www.tmait.org/blog/topic/open-enrollment) [, Medical Practice ](https://www.tmait.org/blog/topic/medical-practice) [, Practice Management ](https://www.tmait.org/blog/topic/practice-management) [, Group Benefits ](https://www.tmait.org/blog/topic/group-benefits) [, Practice Owners ](https://www.tmait.org/blog/topic/practice-owners) [, Insurance Review ](https://www.tmait.org/blog/topic/insurance-review) [, Women Physicians ](https://www.tmait.org/blog/topic/women-physicians) [, Young Physicians ](https://www.tmait.org/blog/topic/young-physicians) [, Business of Medicine ](https://www.tmait.org/blog/topic/business-of-medicine) ** [Group Coverage](https://www.tmait.org/blog/topic/group-coverage) [**Previous Entries](https://www.tmait.org/blog/locum-tenens-and-contractors-dont-miss-out-on-your-special-options) [Next Entries**](https://www.tmait.org/blog/hidden-benefits-now-available-for-owners-and-independent-physicians-open-enrollment) ## Recommended Posts ### [A New Alternative for Group Health Insurance](https://www.tmait.org/blog/a-new-alternative-for-group-health-insurance-group-benefits) ### [Why Going It Alone on Group Health Coverage Costs Your Practice](https://www.tmait.org/blog/why-going-it-alone-on-group-health-coverage-costs-your-practice-group-benefits) ### [Practice Owners Share Their Experience Navigating PPO Health Insurance Options](https://www.tmait.org/blog/practice-owners-share-their-experience-navigating-ppo-health-insurance-options-group-benefits) ### [Give Your Group Health Coverage Another Look](https://www.tmait.org/blog/give-your-group-health-coverage-another-look-group-benefits) ### [Group Health Insurance for Today's Independent Physician](https://www.tmait.org/blog/group-health-insurance-for-todays-independent-physician-group-benefits) ### [Final Opportunity to Check If a Group PPO Plan Is Possible for 2026](https://www.tmait.org/blog/final-opportunity-to-check-if-a-group-ppo-plan-is-possible-for-2026-open-enrollment) ### [PPO Access Alert: What Practice Owners Must Know Before 2026](https://www.tmait.org/blog/ppo-access-alert-what-practice-owners-must-know-before-2026-open-enrollment) ### [Don’t Renew Yet! Access Group PPO Coverage Even With No Employees](https://www.tmait.org/blog/dont-renew-yet-access-group-ppo-coverage-even-with-no-employees-open-enrollment) ### [A New Alternative for Group Health Insurance](https://www.tmait.org/blog/a-new-alternative-for-group-health-insurance-group-benefits) ### [Why Going It Alone on Group Health Coverage Costs Your Practice](https://www.tmait.org/blog/why-going-it-alone-on-group-health-coverage-costs-your-practice-group-benefits) ### [Practice Owners Share Their Experience Navigating PPO Health Insurance Options](https://www.tmait.org/blog/practice-owners-share-their-experience-navigating-ppo-health-insurance-options-group-benefits) ### [Give Your Group Health Coverage Another Look](https://www.tmait.org/blog/give-your-group-health-coverage-another-look-group-benefits) ### [Group Health Insurance for Today's Independent Physician](https://www.tmait.org/blog/group-health-insurance-for-todays-independent-physician-group-benefits) ### [Final Opportunity to Check If a Group PPO Plan Is Possible for 2026](https://www.tmait.org/blog/final-opportunity-to-check-if-a-group-ppo-plan-is-possible-for-2026-open-enrollment) ### [PPO Access Alert: What Practice Owners Must Know Before 2026](https://www.tmait.org/blog/ppo-access-alert-what-practice-owners-must-know-before-2026-open-enrollment) ### [Don’t Renew Yet! Access Group PPO Coverage Even With No Employees](https://www.tmait.org/blog/dont-renew-yet-access-group-ppo-coverage-even-with-no-employees-open-enrollment) ### [Final Opportunity to Check If a Group PPO Plan Is Possible for 2026](https://www.tmait.org/blog/final-opportunity-to-check-if-a-group-ppo-plan-is-possible-for-2026-open-enrollment) ### [PPO Access Alert: What Practice Owners Must Know Before 2026](https://www.tmait.org/blog/ppo-access-alert-what-practice-owners-must-know-before-2026-open-enrollment) ### [Don’t Renew Yet! Access Group PPO Coverage Even With No Employees](https://www.tmait.org/blog/dont-renew-yet-access-group-ppo-coverage-even-with-no-employees-open-enrollment) ### [Hidden Benefits Now Available for Owners and Independent Physicians](https://www.tmait.org/blog/hidden-benefits-now-available-for-owners-and-independent-physicians-open-enrollment) ### [Locum Tenens and Contractors Don’t Miss Out on Your Special Options](https://www.tmait.org/blog/locum-tenens-and-contractors-dont-miss-out-on-your-special-options) ### [Practice Owners, Independents: Help Manage Costs, Get Better Health Insurance For 2026](https://www.tmait.org/blog/practice-owners-independents-help-manage-costs-get-better-health-insurance-for-2026) ### [Open Enrollment: Special Group PPO Options for Owners & Independents](https://www.tmait.org/blog/open-enrollment-special-group-ppo-options-for-practice-owners-independent-physicians) ### [A New Alternative for Group Health Insurance](https://www.tmait.org/blog/a-new-alternative-for-group-health-insurance-group-benefits) ### [Why Going It Alone on Group Health Coverage Costs Your Practice](https://www.tmait.org/blog/why-going-it-alone-on-group-health-coverage-costs-your-practice-group-benefits) ### [Disability Insurance—Without Gender-Based Pricing Discrimination](https://www.tmait.org/blog/disability-insurance-without-gender-based-pricing-discrimination) ### [How TMA Insurance Trust Reinvests in You](https://www.tmait.org/blog/how-tma-insurance-trust-reinvests-in-you) ### [Practice Owners Share Their Experience Navigating PPO Health Insurance Options](https://www.tmait.org/blog/practice-owners-share-their-experience-navigating-ppo-health-insurance-options-group-benefits) ### [Insurance For Good](https://www.tmait.org/blog/insurance-for-good) ### [When a High-Deductible Health Plan Meets Critical Illness](https://www.tmait.org/blog/when-a-high-deductible-health-plan-meets-critical-illness) ### [Final Opportunity to Check If a Group PPO Plan Is Possible for 2026](https://www.tmait.org/blog/final-opportunity-to-check-if-a-group-ppo-plan-is-possible-for-2026-open-enrollment) ### [A New Alternative for Group Health Insurance](https://www.tmait.org/blog/a-new-alternative-for-group-health-insurance-group-benefits) ### [Why Going It Alone on Group Health Coverage Costs Your Practice](https://www.tmait.org/blog/why-going-it-alone-on-group-health-coverage-costs-your-practice-group-benefits) ### [Is Your Practice as Protected as Your Income?](https://www.tmait.org/blog/is-your-practice-as-protected-as-your-income-boe) ### [Don’t Renew Yet! Access Group PPO Coverage Even With No Employees](https://www.tmait.org/blog/dont-renew-yet-access-group-ppo-coverage-even-with-no-employees-open-enrollment) ### [Hidden Benefits Now Available for Owners and Independent Physicians](https://www.tmait.org/blog/hidden-benefits-now-available-for-owners-and-independent-physicians-open-enrollment) ### [Open Enrollment: Special Group PPO Options for Owners & Independents](https://www.tmait.org/blog/open-enrollment-special-group-ppo-options-for-practice-owners-independent-physicians) ### [Group Health Insurance: Little-Known Options for Independents](https://www.tmait.org/blog/group-health-insurance-little-known-options-for-independents-group-benefits) ### [A New Alternative for Group Health Insurance](https://www.tmait.org/blog/a-new-alternative-for-group-health-insurance-group-benefits) ### [Why Going It Alone on Group Health Coverage Costs Your Practice](https://www.tmait.org/blog/why-going-it-alone-on-group-health-coverage-costs-your-practice-group-benefits) ### [Practice Owners Share Their Experience Navigating PPO Health Insurance Options](https://www.tmait.org/blog/practice-owners-share-their-experience-navigating-ppo-health-insurance-options-group-benefits) ### [Give Your Group Health Coverage Another Look](https://www.tmait.org/blog/give-your-group-health-coverage-another-look-group-benefits) ### [Group Health Insurance for Today's Independent Physician](https://www.tmait.org/blog/group-health-insurance-for-todays-independent-physician-group-benefits) ### [Final Opportunity to Check If a Group PPO Plan Is Possible for 2026](https://www.tmait.org/blog/final-opportunity-to-check-if-a-group-ppo-plan-is-possible-for-2026-open-enrollment) ### [PPO Access Alert: What Practice Owners Must Know Before 2026](https://www.tmait.org/blog/ppo-access-alert-what-practice-owners-must-know-before-2026-open-enrollment) ### [Don’t Renew Yet! Access Group PPO Coverage Even With No Employees](https://www.tmait.org/blog/dont-renew-yet-access-group-ppo-coverage-even-with-no-employees-open-enrollment) ### [A New Alternative for Group Health Insurance](https://www.tmait.org/blog/a-new-alternative-for-group-health-insurance-group-benefits) ### [Why Going It Alone on Group Health Coverage Costs Your Practice](https://www.tmait.org/blog/why-going-it-alone-on-group-health-coverage-costs-your-practice-group-benefits) ### [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) ### [Is Your Practice as Protected as Your Income?](https://www.tmait.org/blog/is-your-practice-as-protected-as-your-income-boe) ### [Disability Insurance—Without Gender-Based Pricing Discrimination](https://www.tmait.org/blog/disability-insurance-without-gender-based-pricing-discrimination) ### [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) ### [Do Online Life Insurance Promises Tell the Whole Story?](https://www.tmait.org/blog/do-online-life-insurance-promises-tell-the-whole-story) ### [Insurance For Good](https://www.tmait.org/blog/insurance-for-good) ### [Insurance That Gives Back](https://www.tmait.org/blog/insurance-that-gives-back) ### [Dental Insurance May be The Missing Piece in Your Health Plan](https://www.tmait.org/blog/dental-insurance-may-be-the-missing-piece-in-your-health-plan) ### [Trust Our Advisors: Four Reasons to Choose TMA Insurance Trust for Your Insurance Needs](https://www.tmait.org/blog/trust-our-advisors-four-reasons-to-choose-tma-insurance-trust-for-your-insurance-needs) ### [Trustworthy Help for Busy Physicians](https://www.tmait.org/blog/trustworthy-help-for-busy-physicians) ### [A New Alternative for Group Health Insurance](https://www.tmait.org/blog/a-new-alternative-for-group-health-insurance-group-benefits) ### [Why Going It Alone on Group Health Coverage Costs Your Practice](https://www.tmait.org/blog/why-going-it-alone-on-group-health-coverage-costs-your-practice-group-benefits) ### [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) ### [Is Your Practice as Protected as Your Income?](https://www.tmait.org/blog/is-your-practice-as-protected-as-your-income-boe) ### [Disability Insurance—Without Gender-Based Pricing Discrimination](https://www.tmait.org/blog/disability-insurance-without-gender-based-pricing-discrimination) ### [A New Alternative for Group Health Insurance](https://www.tmait.org/blog/a-new-alternative-for-group-health-insurance-group-benefits) ### [Why Going It Alone on Group Health Coverage Costs Your Practice](https://www.tmait.org/blog/why-going-it-alone-on-group-health-coverage-costs-your-practice-group-benefits) ### [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) ### [Is Your Practice as Protected as Your Income?](https://www.tmait.org/blog/is-your-practice-as-protected-as-your-income-boe) ### [Disability Insurance—Without Gender-Based Pricing Discrimination](https://www.tmait.org/blog/disability-insurance-without-gender-based-pricing-discrimination) ### [Don’t Renew Yet! Access Group PPO Coverage Even With No Employees](https://www.tmait.org/blog/dont-renew-yet-access-group-ppo-coverage-even-with-no-employees-open-enrollment) ### [Hidden Benefits Now Available for Owners and Independent Physicians](https://www.tmait.org/blog/hidden-benefits-now-available-for-owners-and-independent-physicians-open-enrollment) ### [Open Enrollment: Special Group PPO Options for Owners & Independents](https://www.tmait.org/blog/open-enrollment-special-group-ppo-options-for-practice-owners-independent-physicians) ### [Group Health Insurance: Little-Known Options for Independents](https://www.tmait.org/blog/group-health-insurance-little-known-options-for-independents-group-benefits) ### [Beat the Rate Hike for Group Health Coverage](https://www.tmait.org/blog/beat-the-rate-hike-for-group-health-coverage-group-benefits) ### [Critical Illness Protection: Your TMA Member Plan Explained](https://www.tmait.org/blog/critical-illness-protection-your-tma-member-plan-explained) ### [Rising Costs Ahead? Reassess Your Group Health Plan](https://www.tmait.org/blog/rising-costs-ahead-reassess-your-group-health-plan-group-benefits) ## Speak with a TMA Insurance Trust Advisor: ### Latest Post ![A New Alternative for Group Health Insurance](https://www.tmait.org/hubfs/July%202026/July%202026%20Week%201%20-%20Group%20Health.png) ### [A New Alternative for Group Health Insurance](https://www.tmait.org/blog/a-new-alternative-for-group-health-insurance-group-benefits) Jul. 04 2026 ![Why Going It Alone on Group Health Coverage Costs Your Practice](https://www.tmait.org/hubfs/June%202026/June%202026%20Week%204%20-%20Group%20Health.png) ### [Why Going It Alone on Group Health Coverage Costs Your Practice](https://www.tmait.org/blog/why-going-it-alone-on-group-health-coverage-costs-your-practice-group-benefits) Jun. 27 2026 ![Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/hubfs/June%202026/June%202026%20Week%203%20-%20Dental.png) ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) Jun. 20 2026 ![Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/hubfs/June%202026/June%202026%20Week%202%20-%20Accident.png) ### [Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/blog/unexpected-doesnt-have-to-mean-unprepared-this-summer) Jun. 13 2026 ### POPULAR TOPICS - [Practice Owners (218)](https://www.tmait.org/blog/topic/practice-owners) - [Women Physicians (182)](https://www.tmait.org/blog/topic/women-physicians) - [Independent Physician (175)](https://www.tmait.org/blog/topic/independent-physician) - [Young Physicians (163)](https://www.tmait.org/blog/topic/young-physicians) - [Insurance for Women (162)](https://www.tmait.org/blog/topic/insurance-for-women) - [Employed Physicians (155)](https://www.tmait.org/blog/topic/employed-physicians) - [Locum Tenens (136)](https://www.tmait.org/blog/topic/locum-tenens) - [Residents (134)](https://www.tmait.org/blog/topic/residents) - [Disability Insurance (128)](https://www.tmait.org/blog/topic/disability-insurance) - [Health Insurance (127)](https://www.tmait.org/blog/topic/health-insurance) - [Practice Managers (94)](https://www.tmait.org/blog/topic/practice-managers) - [Life Insurance (86)](https://www.tmait.org/blog/topic/life-insurance) - [Independent Contractor (84)](https://www.tmait.org/blog/topic/independent-contractor) - [Open Enrollment (73)](https://www.tmait.org/blog/topic/open-enrollment) - [Group Benefits (65)](https://www.tmait.org/blog/topic/group-benefits) - [Group Coverage (61)](https://www.tmait.org/blog/topic/group-coverage) - [Retired Physicians (59)](https://www.tmait.org/blog/topic/retired-physicians) - [Individual Coverage (58)](https://www.tmait.org/blog/topic/individual-coverage) - [Nearing Retirement (57)](https://www.tmait.org/blog/topic/nearing-retirement) - [Family (52)](https://www.tmait.org/blog/topic/family) - [Medicare (43)](https://www.tmait.org/blog/topic/medicare) - [Medical Practice (39)](https://www.tmait.org/blog/topic/medical-practice) - [Business Overhead Expense Insurance (35)](https://www.tmait.org/blog/topic/business-overhead-expense-insurance) - [Practice Management (35)](https://www.tmait.org/blog/topic/practice-management) - [Critical Illness Insurance (33)](https://www.tmait.org/blog/topic/critical-illness-insurance) - [Medicare Part D (31)](https://www.tmait.org/blog/topic/medicare-part-d) - [Dental Insurance (30)](https://www.tmait.org/blog/topic/dental-insurance) - [Medicare Supplement (29)](https://www.tmait.org/blog/topic/medicare-supplement) - [Life Events (28)](https://www.tmait.org/blog/topic/life-events) - [Insurance For Good (26)](https://www.tmait.org/blog/topic/insurance-for-good) - [Business of Medicine (25)](https://www.tmait.org/blog/topic/business-of-medicine) - [Auto Insurance (21)](https://www.tmait.org/blog/topic/auto-insurance) - [Accident Insurance (20)](https://www.tmait.org/blog/topic/accident-insurance) - [Homeowners Insurance (19)](https://www.tmait.org/blog/topic/homeowners-insurance) - [Retirement (15)](https://www.tmait.org/blog/topic/retirement) - [Short Term Disability (15)](https://www.tmait.org/blog/topic/short-term-disability) - [Young Physicans (15)](https://www.tmait.org/blog/topic/young-physicans) - [Medical Insurance (12)](https://www.tmait.org/blog/topic/medical-insurance) - [Featured (11)](https://www.tmait.org/blog/topic/featured) - [Medigap (11)](https://www.tmait.org/blog/topic/medigap) - [Accidental Death and Dismemberment (10)](https://www.tmait.org/blog/topic/accidental-death-and-dismemberment) - [HSA (10)](https://www.tmait.org/blog/topic/hsa) - [Personal Umbrella Insurance (10)](https://www.tmait.org/blog/topic/personal-umbrella-insurance) - [Insurance Review (9)](https://www.tmait.org/blog/topic/insurance-review) - [Renters Insurance (9)](https://www.tmait.org/blog/topic/renters-insurance) - [Term Life Insurance (9)](https://www.tmait.org/blog/topic/term-life-insurance) - [Auto & Home Insurance (8)](https://www.tmait.org/blog/topic/auto-home-insurance) - [Supplemental Hospital Indemnity Insurance (6)](https://www.tmait.org/blog/topic/supplemental-hospital-indemnity-insurance) - [Travel Insurance (6)](https://www.tmait.org/blog/topic/travel-insurance) - [Comparing Insurance Providers (3)](https://www.tmait.org/blog/topic/comparing-insurance-providers) - [Pet Insurance (3)](https://www.tmait.org/blog/topic/pet-insurance) - [Short-Term Medical Insurance (3)](https://www.tmait.org/blog/topic/short-term-medical-insurance) - [Medevac Insurance (2)](https://www.tmait.org/blog/topic/medevac-insurance) - [Office Overhead Expense Insurance (2)](https://www.tmait.org/blog/topic/office-overhead-expense-insurance) - [Vision Insurance (2)](https://www.tmait.org/blog/topic/vision-insurance) - [COVID-19 FAQs (1)](https://www.tmait.org/blog/topic/covid-19-faqs) - [Financial Advice (1)](https://www.tmait.org/blog/topic/financial-advice) - [Key Person Insurance (1)](https://www.tmait.org/blog/topic/key-person-insurance) - [Prescription Drug Coverage (1)](https://www.tmait.org/blog/topic/prescription-drug-coverage) [See all](https://www.tmait.org/blog/tips-for-accessing-special-group-ppo-options-you-may-not-know-about-open-enrollment#) ### Newsletter signup to receive our monthly newsletter [* * Contact Us](https://www.tmait.org/blog/tips-for-accessing-special-group-ppo-options-you-may-not-know-about-open-enrollment#bott-scroll) ![border](https://www.tmait.org/hs-fs/hubfs/TMA%20Insurance%20March%202019/Image/border.png?width=1200&height=44&name=border.png "border") ### Quick Links - ![](https://www.tmait.org/hubfs/TMA%20Insurance%20March%202019/Image/double-arrow.png) [Home](https://www.tmait.org/) - ![](https://www.tmait.org/hubfs/TMA%20Insurance%20March%202019/Image/double-arrow.png) [Testimonials](https://www.tmait.org/testimonials) - ![](https://www.tmait.org/hubfs/TMA%20Insurance%20March%202019/Image/double-arrow.png) [About](https://www.tmait.org/about) - ![](https://www.tmait.org/hubfs/TMA%20Insurance%20March%202019/Image/double-arrow.png) [Privacy Policy](https://www.tmait.org/privacy-policy) - ![](https://www.tmait.org/hubfs/TMA%20Insurance%20March%202019/Image/double-arrow.png) [Contact](https://www.tmait.org/contact) - ![](https://www.tmait.org/hubfs/TMA%20Insurance%20March%202019/Image/double-arrow.png) [Resources](https://www.tmait.org/resources) - ![](https://www.tmait.org/hubfs/TMA%20Insurance%20March%202019/Image/double-arrow.png) [Our Blog](https://www.tmait.org/blog) - ![](https://www.tmait.org/hubfs/TMA%20Insurance%20March%202019/Image/double-arrow.png) [Self-Service Portal](https://tmait.aebsys.com/#/) - ![](https://www.tmait.org/hubfs/TMA%20Insurance%20March%202019/Image/double-arrow.png) [Insurance For Good](https://www.tmait.org/blog/insurance-for-good) - ![](https://www.tmait.org/hubfs/TMA%20Insurance%20March%202019/Image/double-arrow.png) [Anticipate Joy](https://www.tmait.org/anticipate-joy) ### Connect With Us - [* *](https://www.facebook.com/TMAInsuranceTrust) - [* *](https://twitter.com/TMAIT) - [* *](https://www.youtube.com/user/TMAInsuranceTrust) We were created and are exclusively endorsed by the [Texas Medical Association](https://www.texmed.org/) © 2026 TEXAS MEDICAL ASSOCIATION INSURANCE TRUST © 2026 TEXAS MEDICAL ASSOCIATION INSURANCE TRUST ![](https://googleads.g.doubleclick.net/pagead/viewthroughconversion/956622860/?value=0&guid=ON&script=0) ![](https://analytics.twitter.com/i/adsct?txn_id=l5yi3&p_id=Twitter&tw_sale_amount=0&tw_order_quantity=0) ![](https://t.co/i/adsct?txn_id=l5yi3&p_id=Twitter&tw_sale_amount=0&tw_order_quantity=0) ![](https://analytics.twitter.com/i/adsct?txn_id=nukif&p_id=Twitter&tw_sale_amount=0&tw_order_quantity=0) ![](https://t.co/i/adsct?txn_id=nukif&p_id=Twitter&tw_sale_amount=0&tw_order_quantity=0)