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Critical Illness Insurance

Help Cover the Gaps in Your Health Insurance

No one is immune to getting seriously ill. You have worked hard to become financially secure. But even a comprehensive health insurance policy doesn't cover everything. A serious illness could quickly wreak havoc on your finances.

High deductibles, co-pays, the cost of out-of-network specialists, and other unexpected expenses can quickly add up. Critical illness insurance, when combined with health insurance, can help cover the gaps in your health insurance and help protect your family from financial hardship. 

Focus on Recovery, Not Bills

Critical illness insurance can help eliminate some of the financial stress during an illness. A critical illness policy from TMA Insurance Trust will provide a lump-sum, tax free cash payment of up to $250,000 sent directly to you. The plan is issued by The Prudential Insurance Company of America.

Once you are covered, if you are diagnosed with cancer, heart attack, stroke, Alzheimer's disease or any of the other conditions covered by your policy, you will receive your payout. Benefits are paid upon diagnosis and there is no need to submit proof of expenses. 

If you are a TMA member under age 65, you, your spouse, and your dependent children are eligible for this valuable coverage. Enroll today. 

Apply Online

TMA members under age 65 can apply for The TMA Member Critical Illness Plan issued by The Prudential Insurance Company of America at any time online. To get started, click below.

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Call Us

Our advisors are available weekdays from 7:30 a.m. to 5:30 p.m. CST to answer your questions, review your current insurance coverage, and help you get coverage you need. Call us at 1-800-880-8181.

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Speak with a TMA Insurance Trust Advisor:

Your Money to Use as You See Fit

The TMA Member Critical Illness plan issued by The Prudential Insurance Company of America provides TMA members under the age of 65 a cash benefit to supplement your existing medical insurance and is usable in any way you choose, including to offset deductibles or copays, prescriptions, travel to treatment centers, or you could just use it to help pay off other bills and household expenses. Whatever bills you have to pay, you can use your benefit to help cover any medical and non-medical expenses.

Critical illness insurance is like a supplement to your rainy day fund that can help preserve your savings and stretch your budget during a serious illness.

Help Protect Your Long-Term Financial Health

Critical illness insurance may help bring added peace of mind when added to your portfolio of insurance protection for you and your family. TMA Insurance Trust recommends you also think about long term disability insurance. While critical illness insurance will give you a lump sum of money for your covered illness or illness-related disability, long term disability insurance will provide an ongoing monthly income while you’re recovering.

TMA Insurance Trust advisors can walk you through your options to help you determine the right coverage that best suits your individual needs.

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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.
 
TMA Member 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. CA COA #1179, NAIC #68241. Contract Series: 114774.
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