Sooner or later, we all start to think about retirement. You have probably been setting aside funds for a comfortable and secure retirement for many years. Retirement brings many changes. Changes to your daily routine. Changes to how you use your time. Changes to how you deal with your finances. Did you know retirement also brings significant changes to your insurance needs?
As a busy physician, when it comes time for renewal, it may seem easier to continue the group health insurance plan you’ve always had, with the same insurance agent you’ve always used. TMA Insurance Trust understands that demands on your time could be causing you to miss out on better coverage and better service.
If you are a Texas physician working as a locum tenens, you are not alone. By some estimates, there are over 50,000 physicians working as locum tenens across the United States and the market for locum tenens is expected to grow at 6% annually.
Important decisions that impact you, your family and your practice are rarely easy to make. As a TMA Member, you have an ally on your side that can help you find the right health insurance coverage for the needs of your practice and your family. Our dedicated advisors are committed to easing the administrative burden of securing and managing health insurance plans for you.
A dislocated shoulder from a fall during a hike, a broken ankle during a football game-–as a physician, you’re familiar with how to physically treat these kinds of injuries. But are you prepared financially if they happen to you or someone in your family? Your health insurance will cover a good portion of your medical bills, but additional medical and non-medical expenses can accumulate quickly. Accident insurance covers medical and non-medical expenses to help bridge the gap between your health insurance and these additional out of pocket expenses. A cash benefit is paid directly to you upon diagnosis of a covered, accidental injury.
Like other insurance agencies, TMA Insurance Trust is a full-service insurance agency with a staff of professional agent-advisors who have years of experience. But that is where the similarities end. Here are four exclusive advantages for members from TMA Insurance Trust you may not be aware of.
Open Enrollment will be over soon. But there’s still time to take advantage of opportunities to get a higher quality insurance plan potentially at a lower cost than what you may be paying now.
One such opportunity may appeal to solo and small practice owners who want the greater freedom and choice of a PPO health insurance plan.
“You get what you pay for” is a timeworn adage that, while simple, conveys a profound truth: paying less often means getting less. When independent practice owners start to research health insurance options, price is often the biggest deciding factor--for valid reasons. But if you rely solely on price, when you have a medical emergency, you may find your insurance coverage is sorely lacking. The difficulty is finding the balance between obtaining comprehensive insurance coverage that will provide the kind of coverage you need and keeping the practice’s budget in check. It’s a balance that’s become even more crucial during the pandemic.
