--- title: Your Health Comes With No Guarantees – But This Coverage Does description: When it comes to our health there are very few certainties. So we hope you take advantage of this guarantee for a financial safety net while it is available. image: https://www.tmait.org/hubfs/February%202020/February_2020_Week_3_Critical_Illness.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/February%202020/February_2020_Week_3_Critical_Illness.png) [Critical Illness Insurance](https://www.tmait.org/blog/topic/critical-illness-insurance) # Your Health Comes With No Guarantees – But This Coverage Does 23 January 2021 *Get $20,000 Of Critical Illness Insurance – With Guaranteed Acceptance   How many times have you heard it said: In life there are few guarantees. As a physician you know this is especially true when it comes to our health. Like everyone else, we all face the possibility that one day we may have to confront a serious illness in our own life. ## A Critical Illness Can Affect More Than Your Health Along with the physical and emotional distress of a critical illness, we are almost certain to find an onslaught of expenses that may put a heavy strain on our finances. ## Our Guarantee to You To help with this financial burden we are making a valuable guarantee: If you are a TMA member under the age of 65, we** guarantee your acceptance for $20,000 of critical illness insurance.** ## What Does This Mean? This offer is for **the TMA Member Critical Illness Plan** issued by **The Prudential Insurance Company of America.¹** If you are an eligible TMA member your **acceptance is guaranteed – with no questions asked.** There will be no underwriting – **you cannot be turned down for any reason.** [![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) 7:30 – 5:30 CST Monday – Friday*** ## Why Are We Making This Offer? In today’s health insurance environment many of our members have plans with high deductibles, high copays and limits on coverage. We have heard from members who have experienced frustration with the large number of out-of-pocket expenses that can accompany a critical illness. This includes expenses not typically covered by primary health insurance. These can be medical and non-medical expenses – like the cost of experimental medical treatments, travel costs to see a specialist, additional child care, and medical devices or furniture. We wanted to do something about that. ## Get A Lump Sum Cash Benefit Upon diagnosis of a covered critical illness the TMA Critical Illness Plan pays a **lump sum cash payment directly to you.** It provides a full benefit amount for Alzheimer’s disease, invasive cancer, heart attack, kidney and major organ failure, and stroke. Benefits can also be paid for other covered illnesses upon diagnosis. You can use the payment any way you choose – for specialized medications, travel expenses for family members, the cost of a caregiver, even for a more comfortable bed to recuperate in. ## Respond While There’s Time This is a limited-time offer. **It is available only from January 23rd until March 3rd**. We cannot guarantee it will be available after this time period. To ensure your guaranteed acceptance, we encourage you to click on the button below to enroll now. ## Include Your Partner You may also apply for additional coverage for up to a total of $250,000. And your spouse can apply for up to 50% of your total coverage. The only enrollment requirement is that members and their spouse are under the age of 65. ## Enroll Easily Online When it comes to our health there are very few certainties. So we sincerely hope you will take advantage of this guarantee for a financial safety net while it is available. **Please respond before the March 3rd deadline**. We have made it easy to enroll in a matter of minutes online. Get started now – simply click the button below. [![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) ** [**Previous Entries](https://www.tmait.org/blog/accident-insurance-helps-fill-health-insurance-gaps) [Next Entries**](https://www.tmait.org/blog/support-for-physicians-during-and-after-the-pandemic) ## 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) ## Speak with a TMA Insurance Trust Advisor: ***The offer of $20,000 of TMA Member Critical Illness Insurance with guaranteed acceptance is only available to new participants. Current participants in the TMA Member Critical Illness Insurance Plan are not eligible for this $20,000 guaranteed acceptance offer.**   **¹This 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 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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