Families all across Texas are diving into the heart of summer. Whether your weekends are filled with cycling and water sports or the high-energy of Little League baseball and softball, increased activity often means accidents are bound to follow. In fact, a 2023 study found that pediatric baseball and softball injuries alone accounted for more than 1.37 million emergency department visits over a 10-year period.* While none of us can predict exactly when a fall, a twisted ankle, or a fracture might happen, we can certainly prepare for the financial impact of those unpredictable moments.
By their very nature, accidents don't check our schedules; they happen when we’re busy living life. Just as you’d encourage your kids to wear a helmet or grab their glove before heading out, preparing for the financial side of an injury is just another way to look out for your family. Even with a strong health insurance plan in place, the sudden arrival of copays and high deductibles can feel like a heavy hit to the budget. The TMA Member Accident Insurance plan, issued by The Prudential Insurance Company of America, is designed to help shield your family from the unexpected out-of-pocket costs that often come with an active lifestyle.
Beat the Texas Heat Without Scorching Your Savings
Without proper supplemental coverage, how would you cover these potential expenses? Many physicians attempt to manage unexpected out-of-pocket medical costs through other means, but each comes with its own trade-offs:
- Health Savings Accounts (HSAs): A valuable tool, but only accessible to those with a qualifying high-deductible health plan.
- Retirement Fund Withdrawals: While an option, taking money from a retirement account can trigger a 10% early withdrawal penalty plus standard income tax.
- Credit Cards: Many resort to high-interest credit cards, leading to debt that can take months or years to pay down.
The TMA Member Accident Insurance plan is designed to be as seamless as possible. One of its most significant advantages is that full benefits are available on day one of your policy. There is no waiting period. Your protection begins the moment your coverage starts.
Key features of this plan include:
- Guaranteed Acceptance: TMA members under age 65, their spouses/domestic partners (under age 65), and dependent children under age 26 are all eligible for guaranteed acceptance—no medical questions required.
- Cash Paid Directly to You: Payments are based on your diagnosis, not on receipts or reimbursement for specific bills. This eliminates the hassles and allows you to use the funds however you see fit—whether for medical deductibles or daily living expenses.
- Comprehensive Coverage: The plan pays benefits for a wide range of injuries, including:
- Fractures and dislocations
- Hospital stays (inpatient and outpatient)
- Dental and eye injuries
- Burns and more
Guaranteed All-Season Protection
Summer should be filled with relaxation and recreation, not the stress of unexpected medical bills. Since accidents don’t care what season it is, having dedicated accident insurance can support you year-round—ensuring that an injury remains primarily a physical setback rather than a financial one.
Take action now to help protect your family before the next outing. It’s easy to enroll online. Click the button below to get started, or for a personal consultation, contact a TMA Insurance Trust advisor at 800-880-8181, Monday through Friday, 8:00 AM to 5:00 PM CST.
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