It can be a tempting cost-saving measure to hold off on obtaining dental insurance. After all, you likely take good care of your teeth at home, with regular brushing and flossing. Yet, even the most diligent at-home care can’t replace the benefits of professional checkups – or the value of dental insurance in helping to protect your overall health and finances. Without dental coverage, a crucial piece of your overall long-term health care strategy may be missing.

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.

In your career, experience is everything, and years of practice and dedication have allowed you to make informed decisions for the care of your patients. However, when it comes to navigating Medicare decisions alone, the barrage of new information can be complex and confusing, leading to potential gaps in coverage—and costly mistakes.

Most physicians would agree that health insurance is necessary coverage, but because of the expense, dental insurance may not be prioritized, especially if you are already maintaining a regular at home dental regimen, such as brushing and flossing. However, overlooking dental insurance can delay regular checkups and create a gap in safeguarding your overall health, potentially leading to more significant expenses in the future.

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 we ring in the New Year, there is no better time to focus on one practical resolution: saving money on essential expenses. For Texas physicians, reviewing your home and auto insurance could be an effective way to start the year with extra savings.

As winter approaches, now is the perfect time to review your auto and homeowners insurance. While Texas winters may be milder than in other regions, severe weather can still strike unexpectedly. At TMA Insurance Trust, we can help ensure your policies provide the best protection for your home and vehicle—while also finding ways to save you money.

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.