Whether you are approaching age 65 and exploring Medicare for the first time or you’re already enrolled, knowing the critical dates and deadlines is essential. Missing a key window of opportunity can affect your coverage, costs, and even your ability to get the plans you need.
Health insurance covers medical treatments, but what about the many other expenses a serious illness can bring? The TMA Member Critical Illness Insurance plan, issued by the Prudential Insurance Company of America, is designed to assist with these additional costs. To help you understand how the plan works and highlight its value, here’s a step-by-step walkthrough.
If you're an independent physician, you might assume your only health insurance option is an individual HMO plan. But what if there is a better way?
As a physician at the start of my career,* I’m always looking for ways to learn from those who’ve been practicing longer than I have. So when one of the senior surgeons I’ve always respected sat down across from me during a quick lunch break between procedures, I listened.
As a Texas physician, your ability to earn an income and care for your loved ones is one of your most valuable assets. An unexpected illness or injury can prevent even the most dedicated physician from practicing, and without adequate protection, this can lead to financial hardship for you and your family.
As a TMA Insurance Trust advisor,* I talk with physicians at all stages of their careers about their life insurance, what they might need, and the gaps they haven’t yet considered. One story in particular stood out.
Most of us think of insurance in practical terms: you pay a premium, and if something happens, you file a claim. But what if it could do more? What if its value reached further than your own protection? What if it already was, and you just didn’t know it?
As a physician, you’ve likely noticed that inflation is affecting nearly every aspect of running your practice—from medical supplies to facility costs—and health insurance is no exception. Because premium rates are set a year in advance, the full impact of inflation on your health plan may not have hit yet. Are you now facing renewals and bracing for the financial effects on your practice? What you see today could look very different next year.
