As an independent physician working as a locum tenens, a contractor, or within a hospital system but without employer-sponsored health insurance, you might not realize that you can still qualify for group health insurance. While many of your peers in corporate environments benefit from employer-sponsored coverage, you deserve access to similar benefits. Fortunately, with Open Enrollment Special Options from TMA Insurance Trust, you may qualify for group PPO coverage—known for its flexibility and ability to see specialists without referrals—so you don't have to settle for an individual HMO. This could open doors to better health insurance, giving you the control and quality of care you prefer.

Do you like shopping for health insurance? We didn’t think so. Poring over the details of plans, comparing carriers and calculating costs can be complicated and time-consuming.

Your patients rely on you daily. But while caring for them, have you taken a moment to focus on another critical aspect of your practice that deserves immediate attention—your health insurance coverage? With premiums expected to rise significantly in 2025, locking in this year's rates could save you considerably over the next 12 months. This opportunity won't last long, so taking action now can protect you from the anticipated increases in 2025.

In today’s evolving healthcare environment, independent physicians are exploring new health insurance options beyond traditional limitations. To many, the term "independent physician" used to mean a practice owner. Today, that definition is broader, including those who want to practice medicine without the responsibilities of owning a practice. However, many believe their only insurance option is an individual HMO plan. TMA Insurance Trust dispels this myth by offering group PPO health insurance options independent physicians prefer and deserve.

Physicians excel in their medical expertise, and at TMA Insurance Trust, our advisors are equally adept at understanding the Texas group health insurance market. As you advocate for your patients to get a second opinion for the best outcomes, we encourage you to seek a second opinion on your group health insurance coverage. Doing so may reveal better options and potential savings.

Being an independent physician doesn’t mean that you have to face the complexities of healthcare coverage alone. TMA Insurance Trust stands by your side, offering special options that provide group coverage and rates, even if you don’t have employees. You can access HMO and PPO group plans tailored to fit your unique needs.

At TMA Insurance Trust, we’ve done the homework for you. Whether you own a small practice or operate independently, we’ve identified special opportunities that will allow you to enjoy the benefits of comprehensive group coverage designed specifically for your situation.

Managing a medical practice, whether with a team or independently, requires careful attention to costs without sacrificing quality care. One of the most significant expenses for physicians is health insurance. Finding affordable yet comprehensive coverage can be challenging, but TMA Insurance Trust is dedicated to helping you control costs without compromising coverage. We aim to assist you in efficiently managing your practice's healthcare while you focus on giving your patients the care they deserve.

As an independent locum tenens physician, you enjoy many benefits. Due to the shortage of physicians in Texas, your skills are in great demand. You get to decide when and where you want to work. And you don’t have to wait around for insurance reimbursements to get paid.