No one wants to think about the possibility of becoming disabled – until the unthinkable happens. It might be a sudden injury, or an unanticipated illness. But regrettably it can happen to anyone, physicians included.
And if that injury or illness prevented you from working, you would likely find that your income would quickly diminish and your finances could be seriously threatened. Would you be prepared for that?
An accident, by its very nature, will always take you by surprise. Help keep any high, out-of-pocket “financial surprises” resulting from an accident to a minimum with the TMA Member Accident Insurance Plan issued by the Prudential Insurance Company of America.
Have you been missing visits to your dentist? If so, it’s not surprising. You work long hours. Your schedule can be packed. Plus, the cost of a routine exam with a full set of x-rays can seem expensive – as it seems the cost of almost everything continues to rise.
But skipping regular visits to the dentist can have a negative impact – not just on oral health, but on your overall health as well.
THE CLOCK IS TICKING
We know physicians have a lot on their plate. From the time you start work in the morning until the day is done you’re called on to make one decision after another. So right now the last thing you probably want to do is make a new decision about health insurance.
But time is running out for Open Enrollment – and this could be your last chance to find better health insurance for 2023.
There’s still time to get a plan that could help you control costs and provide more comprehensive benefits than the coverage you have now. In addition to offering top-rated group plans from leading national carriers, we can see if you’re eligible for certain options that may at this time be valuable to both practice owners and independent physicians.
Doing the same thing the same way can sometimes be beneficial. As a physician, you have protocols of care that you follow for particular illnesses and diseases. But if a new, better form of treatment became available, would you dismiss it, or would you investigate its usefulness to your patients?
At TMA Insurance Trust, we do not yet know the full scope of the rate increases for 2023 health insurance premiums, but we anticipate that they could be significant. While we can’t prevent that, we can tell you that you have an opportunity to lock in a lower 2022 rate for the next 12 months. If you currently have an individual HMO health insurance plan, there are special options available that could help you qualify for group health insurance and take advantage of this as well.
There are many risks in everyday life. That’s why we have insurance protection. And most physicians view certain types of insurance as absolutely essential. Health insurance, disability insurance, life insurance are some examples.
Though you likely view health insurance as vitally important, does it offer the same benefits and level of financial protection that it once did? Many physicians will agree: the fabric of health insurance has frayed, and today, they must share the ever-growing costs of health care with their health insurance provider.
If a serious illness should affect you, you will likely have many medical and non-medical expenses to pay. This is why TMA Insurance Trust is offering members under age 65 the TMA Member Critical Illness Insurance Plan.
