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.
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.
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.
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.
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.
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.
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.