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You Have A Health Plan – So Why Do You Need Accident Insurance?

Quick Take away - June 2022 Week 2 AccidentSummer is here. And with the warmer weather we see families getting out and enjoying more outdoor activities.

Biking, hiking, swimming and engaging in sports are great for our physical health, but they can also lead to accidental injuries. All it takes is a sudden trip, fall or twisted ankle and in a flash we’re headed for the emergency room.

Accidents Can Hurt Your Wallet Too

You might assume that if you have health insurance it will provide coverage in the event of an accident. Most likely it will. But if an injury is serious, it can lead to unexpected expenses that may not be covered by your health insurance.

With health insurance deductibles and copays getting higher every year, you might be surprised by the out-of-pocket expenses that can accompany an accident. 

One way to lessen the impact of some of those expenses is with The TMA Member Accident Insurance Plan issued by The Prudential Insurance Company of America. It pays benefits for fractures, dislocations, hospital stays (inpatient and outpatient), dental and eye injuries, burns, and much more. 

Use The Cash Any Way You Choose

If you, your children, or your spouse has a covered injury due to an accident on the field, in the house, or virtually anywhere, you’ll receive a lump sum cash benefit. This is independent of any health insurance coverage you may already have

Unlike typical health insurance benefits, you can use your benefit any way you like – for medical and non-medical expenses like prescriptions, out-of-pocket deductibles or copays, even day-to-day living expenses.

Have questions about your insurance needs? We're here to help - click here or call today
800-880-8181 7:30 – 5:30 CST Monday – Friday

Enrollment Is Easy, Acceptance Guaranteed

Acceptance is guaranteed for eligible TMA members and their family so enrolling is fast and easy – and you’ll be covered from the day you sign up.  

Payments are made upon diagnosis – so you’ll receive your cash benefit faster, when you need it most. You don’t have to provide proof of expenses and you don’t have to undergo treatment prior to receiving payment.  

Supplement The Coverage You Already Have

It’s important to understand that The TMA Member Accident Insurance Plan is not a substitute for your family’s health insurance. But it’s a smart way to supplement your family’s health coverage – especially if your plan has high out-of-pocket costs.

Cover Your Spouse And Children Too

TMA Members under age 65 are eligible to enroll, as well as your dependent spouse or domestic partners under age 65 and your dependent child(ren) under age 26. 

So now that summer is here, speak with one of our advisors about getting the extra protection of accident insurance for yourself and your family. While you can’t predict if, when or how an accident will happen, you can at least be more financially prepared.

Call us at 1 800-880-8181 Monday through Friday, 7:30 to 5:30, CST or to apply online click the button below.

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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.

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.
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.


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