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Protecting What Matters Most

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Plan for Change: Lock in Lower 2022 Health Insurance Rates For 2023

19 September 2022

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.

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Eligible Without Employees–Group PPO Health Insurance for Independent Physicians

10 September 2022

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. 

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Employed Physicians: Will Your Disability Coverage Catch You?

25 May 2019

Rock climbers have confidence that their safety equipment will catch them if they fall; otherwise they would never take the risk of climbing. But they don’t secure their anchors, knots and carabiners once, then ignore them for the duration of their climb. To be safe, they check their safety equipment periodically; both as their position changes, and as time passes.

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How to Choose a Long-term Disability Policy in Under 20 Minutes

4 February 2016

For physicians, long-term disability insurance, also known as income protection, is one of the most important investments that can be made. No one wants to think about an unexpected illness or injury, but it is wise to arm yourself with the facts. Young workers today face a three in ten chance of being disabled before they retire, and medical problems are the reason stated in over sixty percent of the bankruptcy cases. In fact, the most startling statistic regarding disability comes from The National Safety Council, which states 498 Americans become disabled every ten minutes.

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Building the Case for an Individual Health Insurance Plan

4 May 2015

There have been a lot of changes in the healthcare industry over the past few years, and it’s expected to continue evolving. One of these changes is a move away from group coverage to individual health plans. These are a few common reasons why physicians may need individual health insurance coverage:

  1. Their medical practice does not offer health insurance
  2. They have started their own practice and do not need to offer group coverage yet
  3. Group coverage does not fully meet their needs
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5 Common Life Insurance Myths Debunked

7 April 2015

Life insurance – a touchy subject, but one that everyone should talk about at some point. Unfortunately, there are many myths when it comes to life insurance, which is probably why so many people skip coverage. In fact, according to LIMRA, only 70% of American families own some type of life insurance. Plus, it doesn’t help that thinking about life insurance also means that we have to think about our own mortality. A very unpleasant thought.

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5 Things Physicians Should Look for in a Life Insurance Company

26 February 2015

Life insurance is an important aspect of financial planning and something on the mind of many Texas physicians. While you may already be aware of why a life insurance policy is crucial to the protection of your family, you may be wondering which life insurance provider may best for your needs. With so many companies offering quality products with good benefits, it can be difficult choosing one over the other.

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