Are you an independent physician? Would you like better health insurance for 2023? Are you aware you may be eligible for special group health insurance options?

No one plans to have a serious accident. 

As a physician, the difference between instant results and having to wait for days can sometimes have a significant impact. A delay in implementing the right kind of care for a sick patient could drastically alter their outcome.

Winter is once again on its way. And with it comes the threat of severe weather and the risk of accidents on the road and damage to your property. 

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.

A physician’s eligibility for a group PPO plan has historically relied on how many employees they have in their practice. TMA Insurance Trust has researched how to make this preferred coverage available to independent physicians who practice in a partnership without W2 employees. Special options may help you obtain group PPO health insurance for just yourself and your family. 

You know that if you’re an independent practice owner with employed staff, group PPO health insurance is an option for you. But what if for you, practicing as an independent physician means you are truly independent, with no employees?

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.