A physician’s career is built on knowledge, experience, and careful decision-making. But as you approach age 65, a different kind of decision is ahead—one that isn’t about patient care but about protecting your own health and finances.

If you plan to continue practicing beyond age 65, you’re not alone. Many physicians continue working because they love what they do, value the relationships they’ve built, or want to maintain a strong income. Others may be preparing for retirement, but whatever your plans, Medicare decisions and enrollment shouldn’t be delayed. Waiting too long or making the wrong choice could lead to costly penalties that last the rest of your life.

When a serious diagnosis introduces expenses beyond traditional health insurance, including a high deductible, supplemental income support matters. The TMA Member Critical Illness Insurance plan, issued by the Prudential Insurance Company of America, is intended for situations like these. The following scenario* shows how this critical coverage can play out in practice.

Health insurance is a given for most physicians, offering vital protection against unexpected medical expenses. But what about dental care? Often overlooked, dental insurance plays an important role in helping to support your overall health and finances. It’s more than just coverage—it’s the foundation for confident smiles, helping you stay healthy while managing costs.

As a dedicated physician, you spend your life caring for others. You know better than anyone that if a serious illness strikes close to home, affecting you or a loved one, the financial impact could be devastating. You have health insurance, of course. Yet, you also know that high deductibles, co–pays, and out–of–network costs can leave massive gaps in your financial protection.

TMA Insurance Trust is pleased to introduce EverTravel, a new travel insurance benefit now available to TMA members. Issued by Zurich American Insurance Company, EverTravel is a single annual policy designed to help protect your trips throughout the year without requiring separate coverage for each one.

Retirement marks an exciting new chapter, offering opportunities to pursue personal passions or spend more time with family. However, it also brings significant changes to your financial and insurance needs. After years of serving patients and building a career, it’s time to start thinking about how your insurance coverage needs will shift. The benefits you've relied on through your employer might no longer be available once you step away from practice.

An accident is always unexpected, but the high medical bills that typically follow don't have to be a financial surprise. For families with active lifestyles or children in sports, even great health insurance might leave you exposed. A trip to the emergency room for a broken bone or a sports injury can quickly result in a hefty bill for your deductible, copayments, and services your primary plan doesn't fully cover.

For many, dental insurance is the part of a health plan that often gets passed over, especially if your teeth have always been healthy. However, even preventive care like cleanings, X-rays, and the occasional unexpected procedure can bring costs that add up. If dental coverage wasn’t included when you renewed your health insurance, it creates a gap that affects both your protection and your budget. The good news? You can still add this valuable coverage.