As an independent physician working as a locum tenens, a contractor, or within a hospital system but without employer-sponsored health insurance, you might not realize that you can still qualify for group health insurance. While many of your peers in corporate environments benefit from employer-sponsored coverage, you deserve access to similar benefits. Fortunately, with Open Enrollment Special Options from TMA Insurance Trust, you may qualify for group PPO coverage—known for its flexibility and ability to see specialists without referrals—so you don't have to settle for an individual HMO. This could open doors to better health insurance, giving you the control and quality of care you prefer.

Physicians are facing important decisions about health insurance coverage for the year ahead. Many small practice owners and independent physicians without employees might assume their coverage options are limited to individual health insurance—either an HMO plan or a short-term plan that only provides very limited and temporary coverage. However, there may be more options available than you think.

With Open Enrollment just around the corner, now is the perfect time to evaluate your health insurance options. This crucial window, leading up to Open Enrollment, allows you to explore and compare various plans, positioning yourself to choose the coverage that fits your needs for the year ahead. By preparing early, you’ll be ready to make informed decisions once Open Enrollment begins.

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.

Life moves fast, and accidents can happen when you least expect them. While you can't control when or where an accident might occur, you can help control the financial impact it has on your family by ensuring they are protected in case of an unexpected event.

Your patients rely on you daily. But while caring for them, have you taken a moment to focus on another critical aspect of your practice that deserves immediate attention—your health insurance coverage? With premiums expected to rise significantly in 2025, locking in this year's rates could save you considerably over the next 12 months. This opportunity won't last long, so taking action now can protect you from the anticipated increases in 2025.

When an accident occurs, the unexpected expenses that follow could catch you off guard. Despite having health insurance, the costs of lab tests, x-rays, professional fees, and other medical expenses and non-medical expenses can accumulate quickly and leave you financially exposed.

Patients turn to you for guidance and support because they trust your care and expertise. In the same way, when it comes to finding the right insurance, you deserve guidance from someone who truly understands your needs. Our experienced advisors at TMA Insurance Trust know that every physician, every practice, and every family has its own story. That's why they are dedicated to listening to your specific circumstances, offering personalized advice, and helping you find solutions that fit your life. They are with you every step of the way, providing not just insurance, but greater peace of mind.