As a physician, you are well-versed in prevention within healthcare, where emphasizing proactive measures to maintain a patient's health is essential. This same concept extends to finances. Just as you would prescribe preventive medicine to support your patient's health, taking preventative measures to safeguard your family's financial well-being in unforeseen circumstances is imperative. You understand the harsh reality that the unexpected can and does happen and see firsthand the devastating impact such events have on families emotionally and financially.

Spring and summer breaks bring families outdoors for more physical activities. From summer camps and sports leagues to backyard barbecues, many take advantage of promising days filled with sunshine and nights around campfires. Yet, alongside these moments of joy, there's a sobering reality: this is the season when hospitals see many people treated for sports and adventure-related injuries each year.

Physicians have a profound understanding of the intricate connections within the human body, recognizing that issues in one area can have repercussions throughout the whole body. This principle applies equally to oral health, which isn't just about a bright white smile - it also plays a pivotal role in our overall well-being.

Insurance is a fundamental tool for protecting what matters most in our daily lives and careers. Disability insurance, in particular, is essential to help safeguard your income in case of illness or injury that prevents you from practicing. However, this indispensable tool may come at a higher cost for women physicians due to gender-based pricing differences.

Physicians are discovering exciting opportunities in alternative career paths as the medical field evolves. Locum tenens and contracting roles stand out for their flexibility and increased earning potential, drawing in practitioners seeking greater freedom in their professional and personal lives.

As your career as a physician progresses, the need for a comprehensive income replacement strategy becomes greater. While you may have had enough coverage in the early stages, it may no longer suffice as your income has grown and your financial responsibilities have increased. This is where the strategy of "stacking" or "laddering" disability insurance policies can provide a cost-effective solution to enhance coverage without replacing existing policies.

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.

As the year draws to a close and you consider health insurance plans for 2024, we'd like to bring to your attention to some special options available through TMA Insurance Trust that may significantly enhance your coverage.