--- title: "Two Powerful Guarantees: Critical Illness Coverage Designed for Texas Physicians" description: As a physician, you devote your life to caring for others—but when a serious illness disrupts your life, who will care for you? image: https://www.tmait.org/hubfs/February%202025/February%20Week%202%20-%20Critical%20Illness.png --- - [800-880-8181](tel:800-880-8181) - [CONTACT US](https://www.tmait.org/contact) - [SELF-SERVICE PORTAL](https://tmait.aebsys.com/#/) [![](https://www.tmait.org/hs-fs/hubfs/TMA%20Insurance%20March%202019/Image/logo.png?width=197&name=logo.png)](https://www.tmait.org/) Topics All Accident Insurance Accidental Death and Dismemberment Auto & Home Insurance Auto Insurance Business of Medicine Business Overhead Expense Insurance Comparing Insurance Providers COVID-19 FAQs Critical Illness Insurance Dental Insurance Disability Insurance Employed Physicians Family Featured Financial Advice Group Benefits Group Coverage Health Insurance Homeowners Insurance HSA Independent Contractor Independent Physician Individual Coverage Insurance For Good Insurance for Women Insurance Review Key Person Insurance Life Events Life Insurance Locum Tenens Medevac Insurance Medical Insurance Medical Practice Medicare Medicare Part D Medicare Supplement Medigap Nearing Retirement Office Overhead Expense Insurance Open Enrollment Personal Umbrella Insurance Pet Insurance Practice Management Practice Managers Practice Owners Prescription Drug Coverage Renters Insurance Residents Retired Physicians Retirement Short Term Disability Short-Term Medical Insurance Supplemental Hospital Indemnity Insurance Term Life Insurance Travel Insurance Vision Insurance Women Physicians Young Physicans Young Physicians ![](https://www.tmait.org/hubfs/February%202025/February%20Week%202%20-%20Critical%20Illness.png) [Residents](https://www.tmait.org/blog/topic/residents) # Two Powerful Guarantees: Critical Illness Coverage Designed for Texas Physicians 8 February 2025 As a physician, you devote your life to caring for others—but when a serious illness disrupts your life, who will care for you? TMA Insurance Trust, created by physicians for physicians, understands the unique demands you face. That’s why we’re offering **two guarantees** to help ensure you have the protection you deserve: 1. **Guaranteed Acceptance** for TMA members under age 65. 2. **$20,000 Paid Directly to You** upon diagnosis of a covered illness. These guarantees are designed to provide you with the financial security you need, so you can focus on what matters most—your health and recovery. ## Enroll with Confidence: Get Guaranteed Acceptance Uncertainty has no place in your financial protection. That’s why TMA members under age 65 are guaranteed acceptance for $20,000 of TMA Member Critical Illness Insurance coverage, **issued by The Prudential Insurance Company of America**. There’s no medical exam, no lengthy approval process, and no question of eligibility. Covered illnesses include heart attack, stroke, cancer, and more. This coverage is ready for you, no matter your current health. [![We're here to help - CLICK HERE or call today](https://no-cache.hubspot.com/cta/default/400074/f1028049-dc7a-4f66-bc55-4d7e534d3cd2.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/f1028049-dc7a-4f66-bc55-4d7e534d3cd2)***[800-880-8181](tel:800-880-8181) 8:00 – 5:00 CST Monday – Friday*** ## Get $20,000 When You Need It Most A diagnosis of a serious illness can bring more than emotional stress—it often comes with significant financial burdens. With TMA Member Critical Illness Insurance coverage, you’ll receive $20,000 directly upon diagnosis of a covered condition. You decide how to use this benefit: - Cover out-of-pocket medical expenses like deductibles and copays. - Pay for non-medical costs, such as travel to specialized treatment centers or lodging. - Help adapt your home or lifestyle to accommodate your recovery. This valuable support helps ease financial concerns, which may allow you to prioritize your healing, recovery, and return to work. Help Protect Yourself from Gaps in Health Insurance Even the best health insurance has limits. Deductibles, copays, and coinsurance can leave physicians with significant out-of-pocket expenses, especially at the start of the year when deductibles reset. Critical illness coverage helps bridge the gaps and provides a financial safety net for: - Unexpected medical expenses. - Essential non-medical costs like alternative treatments, childcare, or household bills. Life can change in a moment. This coverage offers greater stability during a time of uncertainty. ## Take Action for a More Secure Future For 70 years, TMA Insurance Trust has been a trusted partner for Texas physicians, advocating for their well-being and providing solutions tailored to their unique challenges. With these two guarantees, you can rest assured knowing your future is more secure. **Don’t wait––enroll by February 28th**. Call **800-880-8181** Monday through Friday, 8:00 AM to 5:00 PM, CST, and speak with an advisor today to take advantage of this special offer. [![START MY COVERAGE](https://no-cache.hubspot.com/cta/default/400074/26aa10cd-c7df-46be-b638-858a87eeb06e.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/26aa10cd-c7df-46be-b638-858a87eeb06e)[![New Call-to-action](https://no-cache.hubspot.com/cta/default/400074/0002c54b-d442-4272-b587-fabb93e28c71.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/0002c54b-d442-4272-b587-fabb93e28c71) For over 70 years, TMA Insurance Trust advisors have been serving Texas physicians, their families and staff. TMA Insurance Trust prides itself on offering unbiased information and strategies to members, along with exclusive group rates on a range of the highest-rated plans in the industry. **This coverage is not health insurance coverage (often referred to as “major medical coverage”)**.   Group Critical Illness Insurance coverage is a limited benefit policy issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. **Prudential’s Critical Illness Insurance is not a substitute for medical coverage that provides benefits for medical treatment, including hospital, surgical, and medical expenses, and it does not provide reimbursement for such expenses.** The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. If there is a discrepancy between this document and the Booklet-Certificate/Group Contract issued by The Prudential Insurance Company of America, the Group Contract will govern. A more detailed description of the benefits, limitations, and exclusions applicable are contained in the Outline of Coverage provided at time of enrollment. Please contact Prudential for more information. Contract provisions may vary by state. Contract Series: 114774. 1084798-00001-00 ** [ Residents ](https://www.tmait.org/blog/topic/residents) [, Individual Coverage ](https://www.tmait.org/blog/topic/individual-coverage) [, Critical Illness Insurance ](https://www.tmait.org/blog/topic/critical-illness-insurance) [, Family ](https://www.tmait.org/blog/topic/family) [, Independent Physician ](https://www.tmait.org/blog/topic/independent-physician) [, Employed Physicians ](https://www.tmait.org/blog/topic/employed-physicians) [, Practice Owners ](https://www.tmait.org/blog/topic/practice-owners) [, Practice Managers ](https://www.tmait.org/blog/topic/practice-managers) [, Locum Tenens ](https://www.tmait.org/blog/topic/locum-tenens) [, Independent Contractor ](https://www.tmait.org/blog/topic/independent-contractor) [, Insurance for Women ](https://www.tmait.org/blog/topic/insurance-for-women) [, Women Physicians ](https://www.tmait.org/blog/topic/women-physicians) [, Young Physicians ](https://www.tmait.org/blog/topic/young-physicians) ** [Life Events](https://www.tmait.org/blog/topic/life-events) [**Previous Entries](https://www.tmait.org/blog/secure-20000-of-critical-illness-coverage-for-you-10000-for-your-partner) [Next Entries**](https://www.tmait.org/blog/20000-in-critical-illness-coverage-dont-miss-this-valuable-membership-benefit) ## Recommended Posts ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) ### [Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/blog/unexpected-doesnt-have-to-mean-unprepared-this-summer) ### [When “Easy Online” Life Insurance Wasn’t So Easy](https://www.tmait.org/blog/when-easy-online-life-insurance-wasnt-so-easy) ### [One Plan for the Year—Travel Insurance That Covers Every Trip](https://www.tmait.org/blog/one-plan-for-the-year-travel-insurance-that-covers-every-trip) ### [Disability Insurance—Without Gender-Based Pricing Discrimination](https://www.tmait.org/blog/disability-insurance-without-gender-based-pricing-discrimination) ### [Mind the Gap: Why Your Employer’s Disability Coverage May Fall Short](https://www.tmait.org/blog/mind-the-gap-why-your-employers-disability-insurance-coverage-may-fall-short) ### [When Your Family Depends On You: Disability Insurance for Physicians](https://www.tmait.org/blog/when-your-family-depends-on-you-disability-insurance-for-physicians) ### [How TMA Insurance Trust Reinvests in You](https://www.tmait.org/blog/how-tma-insurance-trust-reinvests-in-you) ### [When “Easy Online” Life Insurance Wasn’t So Easy](https://www.tmait.org/blog/when-easy-online-life-insurance-wasnt-so-easy) ### [Don’t Let a Busy Schedule Block Your Disability Protection](https://www.tmait.org/blog/dont-let-a-busy-schedule-block-your-disability-insurance-protection) ### [Do Online Life Insurance Promises Tell the Whole Story?](https://www.tmait.org/blog/do-online-life-insurance-promises-tell-the-whole-story) ### [Great Salary, No Safety Net: Protecting the Income that Powers it All](https://www.tmait.org/blog/great-salary-no-safety-net-protecting-the-income-that-powers-it-all-short-term-disability) ### [The Blind Spot in Your Disability Coverage](https://www.tmait.org/blog/the-blind-spot-in-your-disability-coverage-short-term-disability) ### [Avoiding The High Cost of Silent Illnesses](https://www.tmait.org/blog/avoiding-the-high-cost-of-silent-illnesses-critical-illness) ### [A View from the Other Side of the Stethoscope](https://www.tmait.org/blog/a-view-from-the-other-side-of-the-stethoscope-critical-illness) ### [You Treat Illness, But Can You Afford It? 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