Time is almost up. During Open Enrollment, practice owners and independent physicians have access to special options that could help them fight rising health insurance premium costs while securing better coverage. Two special waivers are helping many to qualify for group health insurance even if they don’t have employees and even if they only want group coverage for themselves and their family.

These waivers expire in two weeks, now is the time to see if you qualify. This may be the last year these options are available.

Doing the same thing the same way can sometimes be beneficial. As a physician, you have protocols of care that you follow for particular illnesses and diseases. But if a new, better form of treatment became available, would you dismiss it, or would you investigate its usefulness to your patients?

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. 

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.

In life, if you wait until you are ready to do something important, it could be too late.

You’re a practice owner and you’ve invested an incredible amount of time and energy to get where you are. Nobody knows this better than you. 

As a woman physician, one of your biggest allies in helping to keep your financial foundation secure is disability insurance. However, the cost of disability insurance may be a barrier that’s kept you from obtaining this necessary coverage. Premium rates for individual long-term disability insurance policies are typically 40-50% higher for women than for men. If you do have disability insurance, your coverage may have severe limitations you’re not aware of. 

Your income provides a strong financial foundation for you and your family and life insurance can be one of your biggest allies in helping to keep that foundation secure. However, according to life insurance industry estimates, about 58% of men have life insurance but only 47% of women are covered.* To appreciate the value of life insurance for you as a physician, it’s important to understand all the various ways it can help you as your career progresses.