--- title: Unlocking Little-Known Group Coverage Options for Owners and Independents description: We'd like to bring to your attention to some special options available through TMA Insurance Trust that may significantly enhance your coverage. image: https://www.tmait.org/hubfs/November%202023/November%202023%20Week%203%20-%20Open%20Enrollment.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/November%202023/November%202023%20Week%203%20-%20Open%20Enrollment.png) [Health Insurance](https://www.tmait.org/blog/topic/health-insurance) # Unlocking Little-Known Group Coverage Options for Owners and Independents 11 November 2023 As the year draws to a close and you consider health insurance plans for 2024, we'd like to bring to your attention to some special options available through TMA Insurance Trust that may significantly enhance your coverage. For small practice owners or independent physicians without employees, the options may seem limited to individual HMO plans or short-term insurance plans. However, did you know that you may be able to access superior group PPO health insurance, covering not just yourself but your family as well? [![We're here to help - CLICK HERE or call today](https://no-cache.hubspot.com/cta/default/400074/1876f7ad-549d-444d-8ad8-d3754e4c0e06.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/1876f7ad-549d-444d-8ad8-d3754e4c0e06)***[800-880-8181](tel:800-880-8181) 8:00 – 5:00 CST Monday – Friday*** ## Supporting You with Special Options The limitations of HMO plans, with their high costs and restrictive networks, are well known, as are the drawbacks of short-term plans. While they may be lighter on the wallet, short-term plans often fall short in terms of benefits, providing scant coverage for maternity or pre-existing conditions. In some cases, those with pre-existing conditions may even be denied coverage. We understand that as busy physicians, conducting exhaustive research on insurance plans may not be feasible. That's where TMA Insurance Trust steps in. We’ve diligently explored available options to bring you special opportunities to potentially lower your insurance costs, while also tailoring coverage to suit your needs. - **Practice owners looking for group coverage for their practice**, TMA Insurance Trust can assist you with group health insurance. The special options available provide an opportunity to help control the cost to your practice and be able to offer your employee’s group health insurance –including a mix of PPO and HMO plans. - **Practice owners with employees looking for group coverage only for themselves**, usually as long as you have a tax ID number and one full time employee besides yourself paid under that number you will be eligible. - **Practice owners with staff on their own health coverage (spouse’s plan or another provider)**, you could get “group of one” PPO coverage just for yourself and your family. - **Partners with no W-2 employees**, you may be eligible for group coverage only for yourself. You’ll need to provide partnership documentation and the company’s SS4 or recent K-1 (Form 1065). - **Physicians who own a business with their spouse, or their spouse is a W-2 wage employee**, you may qualify for group coverage even without partnership documentation. - **Physicians opening their own practice**, TMA Insurance Trust can help you implement and maintain your own group plan. A consultation with a TMA Insurance Trust advisor can make this process seamless and straightforward. Our advisors will meticulously compare policies, secure quotes, and guide you through the special options, all at no cost or obligation to you. Their expertise can be your compass in navigating the often complex landscape of health insurance. ## The Clock is Ticking Don't wait until it's too late. Reach out to a TMA Insurance Trust advisor today and ensure that by January 1st, you have the optimal coverage in place to safeguard your health and give you greater peace of mind in 2024. All documents must be completed and submitted by December 13th. To determine your eligibility for these special options and secure your coverage, call 800-880-8181 any weekday from 8:00 AM to 5:00 PM, CST. [![New Call-to-action](https://no-cache.hubspot.com/cta/default/400074/ebf3a58c-49d2-407c-bca7-674c38ad7f8f.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/ebf3a58c-49d2-407c-bca7-674c38ad7f8f) For over 65 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. ** [ Health Insurance ](https://www.tmait.org/blog/topic/health-insurance) [, Group Coverage ](https://www.tmait.org/blog/topic/group-coverage) [, Open Enrollment ](https://www.tmait.org/blog/topic/open-enrollment) [, Individual Coverage ](https://www.tmait.org/blog/topic/individual-coverage) [, Group Benefits ](https://www.tmait.org/blog/topic/group-benefits) [, Independent Physician ](https://www.tmait.org/blog/topic/independent-physician) [, Practice Owners ](https://www.tmait.org/blog/topic/practice-owners) [, 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) ** [Medical Insurance](https://www.tmait.org/blog/topic/medical-insurance) [**Previous Entries](https://www.tmait.org/blog/practice-owners-innovative-open-enrollment-special-options-you-need-to-know-about) [Next Entries**](https://www.tmait.org/blog/optimize-your-coverage-strategies-for-practice-owners-and-independent-physicians-health) ## Recommended Posts ### [A New Alternative for Group Health Insurance](https://www.tmait.org/blog/a-new-alternative-for-group-health-insurance-group-benefits) ### [Why Going It Alone on Group Health Coverage Costs Your Practice](https://www.tmait.org/blog/why-going-it-alone-on-group-health-coverage-costs-your-practice-group-benefits) ### [Practice Owners Share Their Experience Navigating PPO Health Insurance Options](https://www.tmait.org/blog/practice-owners-share-their-experience-navigating-ppo-health-insurance-options-group-benefits) ### [Give Your Group Health Coverage Another Look](https://www.tmait.org/blog/give-your-group-health-coverage-another-look-group-benefits) ### [Group Health Insurance for Today's Independent Physician](https://www.tmait.org/blog/group-health-insurance-for-todays-independent-physician-group-benefits) ### [Final Opportunity to Check If a Group PPO Plan Is Possible for 2026](https://www.tmait.org/blog/final-opportunity-to-check-if-a-group-ppo-plan-is-possible-for-2026-open-enrollment) ### [PPO Access Alert: What Practice Owners Must Know Before 2026](https://www.tmait.org/blog/ppo-access-alert-what-practice-owners-must-know-before-2026-open-enrollment) ### [Don’t Renew Yet! 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