As a dedicated physician, you spend your life caring for others. You know better than anyone that if a serious illness strikes close to home, affecting you or a loved one, the financial impact could be devastating. You have health insurance, of course. Yet, you also know that high deductibles, co–pays, and out–of–network costs can leave massive gaps in your financial protection.
That’s why, during our special February campaign, TMA Insurance Trust is offering an opportunity to help you close those financial gaps: TMA members under age 65 are guaranteed acceptance for $20,000 of TMA Member Critical Illness Insurance issued by The Prudential Insurance Company of America.
How Does Critical Illness Insurance Help You?
While your primary health insurance pays the hospital and doctor bills, the TMA Member Critical Illness Insurance plan pays a lump sum of $20,000 directly to you upon diagnosis of a covered illness.
Here’s how you can use the benefit:
- Covering health insurance gaps: Pay your high deductible, co–pays, or co–insurance.
- Non–medical expenses: Travel for specialty treatment, child care, or home modifications.
- Everyday living: Help replace lost income or pay your mortgage and utility bills while you recover.
This supplemental insurance pays regardless of your primary insurance, giving you the resources you need to focus on your recovery.
What is Covered?
The TMA Member Critical Illness Insurance plan covers a comprehensive list of serious conditions, paying a benefit amount upon diagnosis:
- Alzheimer’s Disease – 100%
- Cancer – Invasive – 100%
- Heart Attack – 100%
- Major Organ Failure – 100%
- Renal (kidney) Failure – 100%
- Stroke – 100%
- Cancer – Non–Invasive, other than Skin Cancer – 100%
- Multiple Sclerosis – 25%
- Occupational HIV Infection – 25%
- Parkinson’s Disease – 25%
- Severe Coronary Disease – 25%
- Terminal Illness – 25%
The plan's comprehensive coverage provides a critical layer of financial security and support across a wide spectrum of serious health events.
Lock in Your Guaranteed Acceptance
A serious illness can cause critical financial hardship if you are not prepared.
- TMA members under age 65 are guaranteed acceptance for $20,000 of Critical Illness coverage.
- Your spouse/domestic partner’s acceptance is guaranteed $10,000 when you enroll.
- No physical exams, no medical questions for the guaranteed amounts.
The TMA Member Critical Illness Insurance plan is a powerful, portable benefit that will help protect you and your family as long as you remain a TMA member, regardless of your employment status. You can apply for up to $250,000 in coverage, with additional options available for your spouse and family.
Don’t let February end before you lock in your guaranteed financial protection against the high costs of critical illness.
It’s easy to enroll online. Click the button below, or if you prefer personalized guidance, contact a TMA Insurance Trust advisor at 1–800–880–8181, Monday – Friday 8:00 AM – 5:00 PM CST.
1089493-00001-00
