--- title: Why Your Health Insurance May Need a Boost description: "Many physicians will agree: the fabric of health insurance has frayed, and today, they must share the ever-growing costs of health care with their health insurance provider." image: https://www.tmait.org/hubfs/March%202020/March_2020_Week_2.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/March%202020/March_2020_Week_2.png) [Critical Illness Insurance](https://www.tmait.org/blog/topic/critical-illness-insurance) # Why Your Health Insurance May Need a Boost 20 August 2022 There are many risks in everyday life. That’s why we have insurance protection. And most physicians view certain types of insurance as absolutely essential. Health insurance, disability insurance, life insurance are some examples. Though you likely view health insurance as vitally important, does it offer the same benefits and level of financial protection that it once did? Many physicians will agree: the fabric of health insurance has frayed, and today, they must share the ever-growing costs of health care with their health insurance provider. If a serious illness should affect you, you will likely have many medical and non-medical expenses to pay. This is why TMA Insurance Trust is offering members under age 65 the TMA Member Critical Illness Insurance Plan. ## How Critical Illness Insurance May Help You If you should become seriously ill, critical illness insurance benefits are paid directly to you at the time of diagnosis. And this is for the benefit amount you select – up to $250,000 of coverage paid in one lump sum directly to you. The clear advantage of this type of coverage is that you can use the funds as you see fit: you may choose to offset your high deductibles, copays, and any other out-of-pocket medical costs. You could even use the benefits for non-medical expenses like hotel stays near specialized medical facilities, airfare, and replacing lost wages. [![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*** ## What Does Critical Illness Insurance Cover? TMA Member Critical Illness insurance offers a full benefit for: - Heart attack, - Invasive cancer, - Stroke, - Alzheimer’s disease, - Kidney and major organ failure. Benefits can also be paid for a diagnosis of: - Non-invasive cancer (other than skin cancer), - Multiple sclerosis, - Occupational HIV infection, - Parkinson’s disease, - Severe coronary artery disease, and - Terminal illness. ## Features of TMA Member Critical Illness Insurance - TMA members under age 65 can apply for coverage. When the member applies for coverage, their spouse or domestic partner under age 65 is also eligible to apply. - This insurance pays a lump sum benefit directly to you when diagnosed with a covered illness, regardless of any other insurance you may have. - As a TMA member, you can apply for up to a total of $250,000 of coverage.  Spouse coverage is available up to 50% of the amount the member applies for. ## Apply Now for Coverage If you are a TMA member under age 65, you can take advantage of this valuable coverage issued by **The Prudential Insurance Company of America**. You can apply conveniently online for coverage that helps fill a gap that your health insurance leaves open. Click the button below to get a quote and apply, or contact an advisor for assistance. [![ENROLL EASILY NOW](https://no-cache.hubspot.com/cta/default/400074/062ebca3-7fa2-4477-9a0a-77bfe332c036.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/062ebca3-7fa2-4477-9a0a-77bfe332c036) [![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 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. ** [ Critical Illness Insurance ](https://www.tmait.org/blog/topic/critical-illness-insurance) [, Employed Physicians ](https://www.tmait.org/blog/topic/employed-physicians) [, Locum Tenens ](https://www.tmait.org/blog/topic/locum-tenens) [, Women Physicians ](https://www.tmait.org/blog/topic/women-physicians) ** [Independent Physician](https://www.tmait.org/blog/topic/independent-physician) [**Previous Entries](https://www.tmait.org/blog/dont-make-this-expensive-mistake-with-life-insurance) [Next Entries**](https://www.tmait.org/blog/eligible-without-employees-group-ppo-health-insurance-for-independent-physicians) ## Recommended Posts ### [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) ### [When a High-Deductible Health Plan Meets Critical Illness](https://www.tmait.org/blog/when-a-high-deductible-health-plan-meets-critical-illness) ### [You Treat Illness, But Can You Afford It? Secure Your $20K Benefit](https://www.tmait.org/blog/you-treat-illness-but-can-you-afford-it-secure-your-20k-benefit) ### [Critical Illness Protection: Your TMA Member Plan Explained](https://www.tmait.org/blog/critical-illness-protection-your-tma-member-plan-explained) ### [$20,000 in Critical Illness Coverage: Don't Miss this Valuable Membership Benefit](https://www.tmait.org/blog/20000-in-critical-illness-coverage-dont-miss-this-valuable-membership-benefit) ### [Two Powerful Guarantees: Critical Illness Coverage Designed for Texas Physicians](https://www.tmait.org/blog/two-powerful-guarantees-critical-illness-coverage-designed-for-texas-physicians) ### [Secure $20,000 of Critical Illness Coverage for You, $10,000 for Your Partner](https://www.tmait.org/blog/secure-20000-of-critical-illness-coverage-for-you-10000-for-your-partner) ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) ### [Unexpected Doesn't 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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) ### [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) ### [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) ### [Is Your Practice as Protected as Your Income?](https://www.tmait.org/blog/is-your-practice-as-protected-as-your-income-boe) ### [Disability Insurance—Without Gender-Based Pricing Discrimination](https://www.tmait.org/blog/disability-insurance-without-gender-based-pricing-discrimination) ## Speak with a TMA Insurance Trust Advisor: **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 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 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, 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. 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