SMA Services - Southern Medical Association

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.

Guaranteed Issue Term Life

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.

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. 

EBP Audit and Tax 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.

Epocrates Subscription

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

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.

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.

Group Medical Malpractice Insurance

Your practice is as unique as the people who keep it running. Your malpractice coverage should be too. Your group’s employees don’t just deserve the best coverage they can get; they deserve a plan that’s built with them in mind. And that’s what you’ll get with SMA’s group medical malpractice program. 

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.

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. 

Individual Medical Malpractice Insurance

When you’re looking for medical malpractice coverage, you don’t want the bare minimum. You’ve worked too hard to settle for that. And you don’t want a general policy that was built with someone else in mind. You want a plan that’s built around your practice; your concerns; your needs. 


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. 

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.


Refinance your loans with LendKey and get a $500 sign-up bonus when refinancing their student loans with LendKey.

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.

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.

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: 

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.  


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.

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.

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.

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.

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. 

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.

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.

TSYS® Secure Payments

We have partnered with TSYS®-Secure, the electronic payments expert to offer complete solutions that save your practice time and money.

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.

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.

Load More