“It was an accident!” Those words, often spoken mournfully, demonstrate that as common as accidents are, we are often unhappily surprised by them. And indeed, accidents are very common. In the United States, every 7 seconds a disabling injury is caused by a motor vehicle crash,* and 1 in 5 Americans visit the emergency room at least once a year.**
When you or a family member is injured, you know that your medical insurance will take care of a good portion of your medical bills, but there are additional expenses (medical and non-medical in nature) that can accumulate quickly. How can you financially prepare for this unhappy situation?
Helping You Manage Unexpected Expenses
TMA Member Accident Insurance issued by The Prudential Insurance Company of America can be a great way to help alleviate any sudden financial burden that an unforeseen injury brings. This plan pays a benefit when you suffer a covered injury due to an accident - whether it is on the playing field, at home, even in the car. The plan includes the following features:
• Coverage for a variety of accidents and injuries: bone fractures, joint dislocations, inpatient or outpatient hospital visits, dental or eye injuries, burns, and much more.
• Benefits paid without needing to provide proof of expenses.
• Benefits paid to you; use them for whatever you need.
Unlike some other plans, your benefit payment is made based on the diagnosis. There is no need to undergo treatment or provide proof of any expenses incurred prior to receiving payment, so you will receive payments as soon as possible. Benefits are paid directly to you, not your medical provider, and you can use your lump sum benefit in any way you would like. Whether you use it for prescriptions, deductibles, copays not covered by health insurance, for day-to-day living expenses, or necessary caregiving; the choice is yours.
If you are a TMA member under age 65, you are eligible to enroll for this insurance protection. You can also enroll a dependent spouse or domestic partner under age 65, and dependent children under age 26.
A Trusted Partner, Ready to Help
If you have questions about TMA Member Accident Insurance, talk to one of our experienced advisors. At TMA Insurance Trust, you won’t feel any obligation or sales pressure from our advisors; they do not earn sales-based commissions, which allows them to focus on finding the coverage that works for your needs. You can reach an advisor at (800) 880-8181, or if you wish, you can apply for TMA Member Accident Insurance at any time online. To get started, click below.
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.
Want to speak to an advisor? Complete the form below and we will reach out shortly.
*National Safety Council, Injury Facts, 2015 Ed.
**Centers for Disease Control and Prevention, National Center for Health Statistics, Oct. 12, 2015.
This coverage is not health insurance coverage (often referred to as "Major Medical Coverage").
This type of plan is NOT considered "minimum essential coverage" under the Affordable Care Act and therefore does NOT satisfy the individual mandate that you have health insurance coverage. If you do not have other health insurance coverage, you may be subject to a federal tax penalty.
Group Accident Insurance coverage is a limited benefit policy issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. Prudential's Accident Insurance is not a substitute for medical coverage that provides benefits for medical treatment, including hospital, surgical and medical expenses and 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. Please contact Prudential for more information. Contract provisions may vary by state. Contract Series: 83500.