In life as we get older we gain knowledge and acquire more experience. As physicians, that can yield professional wisdom and provide greater confidence in how you proceed with your patients.
In life as we get older we gain knowledge and acquire more experience. As physicians, that can yield professional wisdom and provide greater confidence in how you proceed with 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.
Most people know that insurance is there to help protect what’s important in our personal and professional lives. But as a woman physician what you might not know is that the pricing for certain kinds of insurance can be different for women than it is for men.
That’s because in many cases, premiums for insurance products are based on the gender of the person seeking coverage. And often, women bear higher costs because they represent greater risk to insurance companies.
Many physicians nearing age 65 look forward to retiring. But many who are close to the traditional age of retirement may choose to continue working.
That’s usually because they find fulfillment in their practice of medicine and the relationships they’ve built with their colleagues and patients. And, of course, there’s also the opportunity to continue to earn a good income.
However, if you are approaching 65 and plan to continue working, there are some critical Medicare decisions you must be ready to make. These cannot be put off. Otherwise, you could be hit with costly penalties for the rest of your life.
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.
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.
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© 2023 TEXAS MEDICAL ASSOCIATION INSURANCE TRUST