--- title: Valuable Insurance Benefits for Locum Tenens Physicians Living in Texas description: Finding affordable, quality health insurance is another major concern for most locum tenens physicians. TMA Insurance Trust advisors can help. image: https://www.tmait.org/hubfs/April%202022%20week%202%20Locum%20Tenens.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/April%202022%20week%202%20Locum%20Tenens.png) [Disability Insurance](https://www.tmait.org/blog/topic/disability-insurance) # Valuable Insurance Benefits for Locum Tenens Physicians Living in Texas 9 April 2022 If you are a Texas physician working as a locum tenens, you are not alone. By some estimates, there are over 50,000 physicians working as locum tenens across the United States and the market for locum tenens is expected to grow at 6% annually. ## **Independent But Not Alone** As an independent contractor, you don’t have access to an employer’s group benefits package. It is your responsibility to provide your own insurance. However, being independent doesn’t mean being alone. At TMA Insurance Trust we help all physicians in Texas, including locum tenens, to get the insurance protection they need.  ## **Protecting Your Income** As a physician, you see firsthand the disabling effects of injury and serious illness. For a moment, imagine if you were the patient. What would happen to your finances if suddenly you were unable to work? Disability insurance can help replace most of that lost income. TMA Insurance Trust wants you to have the income protection you deserve. We can help you secure coverage whether you are a Texas Medical Association member or not. However, if you are a member, you are eligible for exclusive, members-only discounts and plan options that are not available anywhere else. You may find these savings more than offset the cost of membership. [![We're here to help - CLICK HERE or call today](https://no-cache.hubspot.com/cta/default/400074/94828988-d0f8-4529-bb97-75f52a616969.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/94828988-d0f8-4529-bb97-75f52a616969)***[800-880-8181](tel:800-880-8181) 7:30 – 5:30 CST Monday – Friday*** ## **Protecting Your Health** Finding affordable, quality health insurance is another major concern for most locum tenens physicians. TMA Insurance Trust advisors can help you shop for the coverage you need. Our advisors can help you secure short term plans and major medical plans. However the options available to you will depend on your situation.  If you left an employer to become a locum tenens physician, you may qualify for a special enrollment period. To qualify, you must have lost employer coverage within the past 60 days.  Once the 60-day deadline passes, you may have to wait until the next open enrollment period to sign up for major medical coverage. Health insurance open enrollment runs from November 1 to December 15 each year.  If you have or establish an LLC, you may be eligible for PPO health insurance. Partnership documentation and the company’s Schedule K-1 (Form 1065) are required. If you meet these requirements, speak to one of our advisors for more information about "group of one" health insurance options.  If none of these options apply to you, you might consider short term health insurance. Short term plans can provide some protection, but also have serious limitations. Most short-term plans don’t cover preexisting conditions or routine preventative care and other essential benefits. These plans can leave you with significant out of pocket costs. ## **Our Advisors Are Ready to Help** You don’t have to face these decisions alone. Our licensed, experienced advisors are standing by ready to help with your disability and health insurance questions. TMA Insurance Trust values the service locum tenens provide. We want you to have the protection you deserve. Contact us today for a free, no obligation consultation. [![New Call-to-action](https://no-cache.hubspot.com/cta/default/400074/ece1cb76-6a4e-4975-bbf0-c2cd3f454c27.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/ece1cb76-6a4e-4975-bbf0-c2cd3f454c27) For over 60 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. ** [ Disability Insurance ](https://www.tmait.org/blog/topic/disability-insurance) [, Locum Tenens ](https://www.tmait.org/blog/topic/locum-tenens) ** [Health Insurance](https://www.tmait.org/blog/topic/health-insurance) [**Previous Entries](https://www.tmait.org/blog/life-insurance-made-simple-coverage-that-makes-sense) [Next Entries**](https://www.tmait.org/blog/group-benefits-health-insurance-get-better-coverage-and-better-service-with-tma-insurance-trust) ## Recommended Posts ### [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) ### [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) ### [What the TMA Member Disability Plan Includes That Others Don’t](https://www.tmait.org/blog/what-the-tma-member-disability-plan-includes-that-others-dont) ### [Don’t Let These Coverage Gaps Surprise You in Retirement](https://www.tmait.org/blog/dont-let-these-coverage-gaps-surprise-you-in-retirement-medicare) ### [A Physician's Path to Better Disability Coverage](https://www.tmait.org/blog/a-physicians-path-to-better-disability-insurance-coverage) ### [Insurance That Gives Back](https://www.tmait.org/blog/insurance-that-gives-back) ### [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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