Member Benefits - Southern Medical Association

By joining SMA, you automatically gain access to a wide range of personal and professional benefits that include;  continuing medical education, commercial insurance, employee benefits program, individual insurance products, practice management, and retirement.

 

To speak with a professional about any of our benefits, please complete the form below.

Member Benefits Inquiry

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SMA Services

Air Ambulatory Insurance

A medical evacuation can cost up to $200,000! As an SMA Member, you receive AirMed® Air Ambulatory Coverage for free! The full cost of flight, medical staff, and ground transportation is included with your membership. Unlike travel and health insurance, there are no deductibles, no co-pays or claims to file. SMA Members receive the "Family upgrade Option" for only $195/year. That's nearly 50% off the retail price.

Posted in: Insurance29 Individual Products9 Member Benefits36

SMA Services

Business Auto Insurance

A vehicle collision is never good news, but when it’s one of your business’ cars or trucks, the consequences are more complicated. Business auto insurance, also called commercial auto insurance, takes all the elements of normal auto coverage and adds on extra protection. For example, when obtaining commercial car insurance you can usually get much higher liability coverage to reflect the fact that a business typically has more assets at risk than an individual would. Additionally, with commercial auto insurance, you can get collision insurance. This type of coverage pays out for damage to your commercial car or truck no matter who caused the collision–a protection that’s often a must if you lease or finance commercial vehicles.

Posted in: Insurance29 Commercial Insurance11 Member Benefits36

SMA Services

Business Owners Policy

A Business Owners Policy "BOP" for short, offers a one-two punch with regard to coverage. BOP is a combination policy that brings together two types of coverage's. First is property insurance. Property insurance covers risks associated with your business’ premises, equipment and vehicles. Additionally, it often includes any associated loss of business. Second is liability insurance. Liability insurance covers damage to people you deal with and their property.

Posted in: Insurance29 Commercial Insurance11 Member Benefits36

SMA Services

Crime Insurance

Commercial crime insurance isn’t so much about men in masks and a bag marked “LOOT,” but rather what’s better known as white-collar crime. Commercial crime insurance covers not just physical property being stolen, but also financial theft such as fraud, siphoning off funds and bogus invoicing. These types of events pose a serious risk to businesses. This is especially true because business practices continue to become more complicated, and technology advancements continue to increase the opportunities for sophisticated scams and frauds.

Posted in: Insurance29 Commercial Insurance11 Member Benefits36

SMA Services

Cyber Liability Insurance

Cyber attacks are increasing in frequency and severity. Most practices don’t have the coverage they need to recover. The most common source of a data breach used to be accidental; a lost or stolen laptop, desktop computer, cellphone, desktop computer, flash drive and hackers. The average cost of a data breach is over $200 per patient record with total costs typically exceeding $100,000.

Posted in: Insurance29 Commercial Insurance11 Member Benefits36

SMA Services

Dell Computer Discount

SMA Members get up to a 30% discount on products and services purchased through Dell® website.

Posted in: Practice Management5 Member Benefits36

SMA Services

Dental Insurance for Groups

Everyone’s dental health needs are unique. SMA Services offers you options plus savings with lots of different plans and choices that fit your business needs. Whether you want to keep your teeth healthy or restore your beautiful smile, we’re here to help. Traditional dental insurance does not always meet everyone’s needs. Regular dental care contributes to good medical health. Our dental insurance provides benefits for a variety of services, with no networks, deductibles, or pre-certification requirements.

Posted in: Insurance29 Employee Benefits9 Member Benefits36

SMA Services

Dental Insurance for Individuals

Everyone’s dental health needs are unique. SMA Services offers you options plus savings with lots of different plans and choices that fit your needs. Whether you want to keep your teeth healthy or restore your beautiful smile, we’re here to help. Traditional dental insurance does not always meet everyone’s needs. Regular dental care contributes to good medical health. Our dental insurance provides benefits for a variety of services, with no networks, deductibles, or precertification requirements.

Posted in: Insurance29 Individual Products9 Member Benefits36

SMA Services

Disability Insurance for Individual

Protect one of your most valuable resources — your income. As an SMA Member, you get a 15% association member discount on your policy. Our goal is to make certain you have a policy that fits your needs, your budget and stays with you wherever you go. Group disability through your employer is an excellent benefit, but it is usual limited in how much it provides for you when you need it most. 

Posted in: Insurance29 Individual Products9 Member Benefits36

SMA Services

Employment Practices Liability (EPLI)

It’s easy to feel as if employing people is a legal minefield. This is mainly because there is so much potential for lawsuits over wrongful termination, harassment, discrimination and workplace conditions. Employment practice liability insurance (or EPLI) covers the risk of having to payout such claims. EPLI policies often cover the business itself, as well as individuals like company directors. Employment practice and liability insurance policies are usually written to cover cases that come out of unintentional actions (or failures to act) rather than deliberate acts of discrimination or other wrongful practice.

Posted in: Insurance29 Member Benefits36

SMA Services

Epocrates Subscription

SMA Members get a 20% Discount on Epocrates Plus License for 6 Months. The #1 Medical Reference App Among U.S. Physicians.

Posted in: Practice Management5 Member Benefits36

SMA Services

Hired and Non-Owned Auto Insurance

Hired and Non-Owned Auto Insurance is secondary coverage for your practice when considering employee vehicle use or rental and leasing of vehicles. This insurance protects the business in the case of any incidents involving a vehicle that has been hired by the company to be used for business-related purposes.

Posted in: Insurance29 Commercial Insurance11 Member Benefits36

SMA Services

Identity Theft

Identity theft insurance is designed to cover some of the costs that occur when someone steals your identity. It reimburses you for money spent on reclaiming your financial identities and repairing credit reports. Those costs can range from phone bills to legal help. Policies often provide specialists who can help guide victims through the identity restoration process. 

Posted in: Insurance29 Employee Benefits9 Individual Products9 Member Benefits36

SMA Services

IRA

No matter where you are in your life, things can change. It's always important to save money. The trick is being able to earn interest on your savings, and have easy access to cash without having to pay steep penalties to get it when you need it. 

Posted in: Retirement2 Member Benefits36

SMA Services

Key Person Insurance

You might describe the skills and knowledge of the senior staff as priceless, but if anything happened to them, the financial losses for your business could be very real. Where ordinary life insurance compensates a person’s financial dependents for loss of income, key man life insurance is all about the costs a business faces when the person dies. It’s best suited for staff who are so vital to the company’s operations that it could struggle to survive without them.

Posted in: Insurance29 Commercial Insurance11 Member Benefits36

SMA Services

Life Insurance for Groups

In order to attract and maintain the very best talent, group life insurance benefits are an important part of your overall benefits package. Many practices purchase a group policy and forget about it. Making sure you have a policy that provides the most benefit to your employees can give your business a competitive advantage. Don't take your insurance benefits for granted.

Posted in: Insurance29 Individual Products9 Member Benefits36

SMA Services

Life Insurance for Individuals

Life insurance is something every responsible adult provides for there loved ones. Did you know there are lots of different options for life insurance? Our agents represent numerous 'A' rated Carriers that write individual life policies on term, whole or universal basis. individual life has far more capabilities for higher face amounts and more sophisticated scenarios than group policies. Its important to look beyond group insurance provided by your employers and to make certain you have exactly what you need in terms of life insurance.

Posted in: Insurance29 Individual Products9 Member Benefits36

SMA Services

Long Term Disability Insurance

SMA has worked alongside The Standard Insurance Company for over 15 years to offer Group Insurance coverage to SMA members and their staff. The Standard has maintained an “A” rating or higher from A.M. Best Company since 1928. The Long-Term Disability policy we offer allows both physician members and their staff to purchase up to 70% of pre-disability income. There are choices of benefit and waiting period options: 

Posted in: Insurance29 Employee Benefits9 Member Benefits36

SMA Services

Major Medical

A major medical health insurance plan is a type of medical insurance plan that meets the minimum essential benefit standards of the Affordable Care Act (ACA “Obamacare”), while also providing benefits for a broad range of inpatient and outpatient health-care services.

Posted in: Insurance29 Employee Benefits9 Member Benefits36

SMA Services

Management Liability (D&O) Insurance

Management liability is the term used to describe a package of insurance policies designed to protect a corporation and its directors and officers. This package protects your facility and it's employees against circumstances not covered under a traditional commercial general liability policy.  

Posted in: Insurance29 Employee Benefits9 Member Benefits36

SMA Services

Medical Malpractice Insurance

The professional liability marketplace is dynamic. SMA partners with industry leading insurers to harness the risks in today’s healthcare, so you have a secure strategy designed to lessen your financial risk and to support your risk management efforts. Let us help you find the best coverage that suits you.

Posted in: Insurance29 Employee Benefits9 Member Benefits36

SMA Services

Medicare

Get help with some of the out-of-pocket costs not paid for by Medicare with a Medicare Supplement Insurance plan (Medigap). A Medicare Supplement plan lets you choose or keep your own doctor as long as they accept Medicare patients. Medicare Supplement Insurance that helps fill "gaps" in Original Medicare. A Medicare supplement insurance policy can help pay some of the remaining health care costs, like co-payments, coinsurance, and deductibles.

Posted in: Insurance29 Individual Products9 Member Benefits36

SMA Services

Netchex – Payroll Management Services

Netchex’s single-source solution is a cloud-based, end-to-end platform for managing the entire employee lifecycle from hire to retire. With powerful, yet easy-to-use technology backed by award-winning customer support.

Posted in: Practice Management5 Member Benefits36

SMA Services

Personal Lines Insurance

Coverages for the multiple items owned by an individual. Coverage for repair to damage to those properties, as well as, the liability exposure created for the owner of those items. Our insurance advisors take time to understand your unique needs, identify and eliminate gaps in coverage that might leave you exposed and create custom plans that fit your life. From auto insurance to home insurance, we’re in the business of helping people protect what they value and have worked so hard to build.

Posted in: Insurance29 Commercial Insurance11 Member Benefits36

SMA Services

Practice Umbrella Insurance

Practice (Commercial) umbrella insurance is all about going one step further. It’s an added layer of protection that kicks in if the very worst happens with your business insurance policies. Most business insurance policies–whether they cover commercial liability or commercial property–have a payout limit. Normally, your business would be on the hook for any expenses above and beyond this limit. This type of unexpected cost is something that could threaten the very survival of your business.

Posted in: Insurance29 Commercial Insurance11 Member Benefits36

SMA Services

Reception Room Magazine Subscriptions

Do you provide magazines for your patients’ entertainment while in your office? The SMA magazine subscription service provides you access to more than 200 of the leading magazine publications.

Posted in: Practice Management5 Member Benefits36

SMA Services

Short Term Disability Insurance

Short-term disability is a type of insurance benefit that provides some compensation or income replacement for non-job-related injuries or illnesses that render you unable to work for a limited time period. SMA has worked alongside The Standard Insurance Company for over 15 years to offer Group Insurance coverage to SMA members and their staff. The Standard has maintained an “A” rating or higher from A.M. Best Company since 1928. The Short-Term Disability policy we offer allows both physician members and their staff to purchase up to 70% of pre-disability income. There are choices of benefit and waiting period options. 

Posted in: Insurance29 Employee Benefits9 Member Benefits36

SMA Services

Short Term Medical Insurance

Short term medical insurance, (temporary health insurance) or (term health insurance) can provide a temporary solution to fill gaps in coverage due to any number of reasons.

Posted in: Insurance29 Individual Products9 Member Benefits36

SMA Services

Telemedicine Service

Akos Connect is a revolutionary telemedicine platform that allows physicians to diagnose and treat patients from their smartphone, tablet or desktop. With flexible, 24/7 access, our cloud based, HIPAA-compliant platform allows remote access so physicians can virtually consult with patients anytime, anywhere.

Posted in: Practice Management5 Member Benefits36

SMA Services

TPA and 401k

Get a complimentary, no-obligation, review of your company retirement plan. Learn how to improve your plan's effectiveness for both you and your employees and possibly even lower your costs.

Posted in: Retirement2 Member Benefits36

SMA Services

Equipment / Inland Marine

Don’t be fooled by the name. Inland marine insurance has nothing to do with lakes and rivers. Instead, it covers the risks relating to property, property and equipment that’s either in transit (including by road or rail) or being stored by a third party. Inland marine insurance is very important, as many commercial property insurance policies will only cover items or equipment that are on your business’ physical premises.

Posted in: Insurance29 Commercial Insurance11 Member Benefits36

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Fiduciary Liability

Fiduciary liability insurance covers a very specific risk–and a potentially financially devastating one. The risk is breaching fiduciary duties, and it comes from the Employee Retirement Security Act of 1974 (ERISA), which governs many employee benefit schemes. Officers of a company who oversee such schemes have fiduciary duties. This means that they are ethically and legally bound to act in the best interests of the employees, and can be sued if they breach this duty (even unintentionally). A breach of this duty could be as simple as making investment decisions for the plan that don’t work out well.

Posted in: Insurance29 Commercial Insurance11 Member Benefits36

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Vision Insurance for Groups

Vision benefits help employees stay healthy and see everything life has to offer. And they can save employers money, while attracting and retaining high talent.

Posted in: Insurance29 Employee Benefits9 Member Benefits36

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Vision Insurance for Individuals

Your ability to see is an important part of your overall health. Having your families vision protected through individual vision insurance is a great way to ensure you are proactively caring for you, or your families vision and to stay ahead of any potential health issues associated with your vision. Most vision care plans provide discounts on laser eye-correction surgery. Some plans offer only minimal services, others may help cover treatments for eye surgery. Other potential benefits include discounted vision exams, glasses, and contacts. Some vision care plans require you to see a provider in the plan's network. Other vision care plans simply require you to be treated by an optometrist or an ophthalmologist.

Posted in: Insurance29 Individual Products9 Member Benefits36

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Voluntary Worksite Benefits

Voluntary Worksite Benefits (VWB) is another great employee benefit package you can use to attract and retain quality employees. VWB are competitive, comprehensive benefit packages that provide a cost-effective solution that can help employees offset out-of-pocket medical expenses.

Posted in: Insurance29 Employee Benefits9 Member Benefits36

SMA Services

Workers’ Compensation Insurance

Workers’ compensation insurance covers employees injured on the job or in auto accidents while on business. It also covers work-related illnesses. We’ll work with you to find a solution that creates a safer and more productive workplace. Workers’ compensation insurance, or simply workers’ comp, is not just a legal requirement–it’s an investment in your staff’s security. The precise rules vary from state to state, but the general rule is that your business must take out workers’ comp coverage for employees that pays out if they are injured at work.

Posted in: Insurance29 Commercial Insurance11 Member Benefits36
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