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.

Open Enrollment is here – time to think about whether to renew or choose a new health plan for yourself or your practice.

But choosing a health plan may not be so easy. There are many factors to consider – like cost, deductibles, plan features and restrictions, even the level of service you receive from your agent. On top of that, health insurance today is complicated. Trying to get a handle on all the regulations in the Affordable Care Act (ACA) can be time-consuming and exhausting.

So what if you had help from a health insurance specialist? Someone who could find “hidden” opportunities in the complex regulations?

While group PPO coverage is available to all practice owners, its high cost can put this coveted, more inclusive coverage outside the realm of possibility for smaller practices. Requirements for eligibility also mean that most solo practitioners are only able to access individual or group HMO plans.

Though your practice may be small, to us you’re big. Since its existence, TMA Insurance Trust has committed to working tirelessly for small practices that feel limited in their insurance choices. Our recent efforts have uncovered two special insurance options that could transform coverage for many solo and small, independent practice owners.

If a patient needs specialized care outside of your expertise, you likely wouldn’t hesitate to refer them to a specialist. TMA Insurance Trust has been the “go-to” health insurance specialist for physicians for decades. Last year, we helped over 700 practice owners get quality coverage at a competitive price. This year, once again, we’ve used our specialized skills and experience to uncover a way for physicians to help control their insurance costs and possibly secure better group coverage for themselves and their practice.

As a practice owner, when one of your patients needs specialized care or advice, you refer them to a physician who specializes in that particular field of medicine. That’s standard procedure.

But what about in your own life? What if you needed advice in an area in which you had limited knowledge? What if, for example, you wanted advice about health insurance? Would you reach out to a “specialist?”