Health

 

The Medical Association has you, your staff, and your family covered!  The Medical Association offers an exclusive health insurance opportunity through Blue Cross and Blue Shield of Alabama for our members.  *Qualified new members may sign up for insurance as soon as full regular member dues are paid.  Your membership dues alone could save you thousands in insurance premiums and out-of-pocket expenses.  Let our dedicated staff provide you with one-on-one personal assistance with all of your Blue Cross and Blue Shield of Alabama policy needs.  For more information, please contact Brenda Green at bgreen@alamedical.org.

PIPA Eligibility requirements
    • Be a Regular member of Medical Association
    • If self‐employed (e.g., sole proprietorship, partnership, LLC, P.A. or certain S‐Corporations), have at least one employee other than the physician and his/her spouse eligible to be in the plan. 
    • In order for an employee to be eligible, he/she must be considered a full time employee working at least 30 hours per week.     
    • If the corporate structure of the physicians’ practice is a professional corporation (P.C.), there is no requirement that additional employees be eligible for the plan, but those employees are welcome to participate.

Not sure if you are eligible? Use the Eligibility Decision Tree (document on the right hand side) to find out. In order for an employee to participate, the physician member must participate in the insurance plan.

Enrollees in the group practice do not have to all be on the same plan.

Open Enrollment for Medical Association Qualified* Physician Members and Staff:
September 18 - October 31


The Medical Association is pleased to announce that the 2018 premiums had a slight 5.5% increase in health plans and no increase in dental plans.  In 2017, nearly 81% of PIPA participants had an out-of-pocket cost of less than $500.  This  Blue Cross and Blue Shield group rated health insurance plan continues to be a valuable membership benefit to physician members and their staff.
 
2018 Summary of Benefits will be available soon.  Please continue to check back for updates.

2018 Rates
effective January 1-December 31, 2018

Rates shown are MONTHLY amounts. Premiums will be billed QUARTERLY.

  PIPA High Option   PIPA Basic Option    Dental*    
Single $690 $588 $39.90
2 Person     $1,387 $1,181 n/a
Family $2,031 $1,728 $106.20

*Dental coverage is optional.


2017 Rates

through December 31, 2017


Rates shown are MONTHLY amounts. Premiums will be billed QUARTERLY. Rates are subject to change.

  PIPA High Option   PIPA Basic Option    Dental*    
Single $657 $559 $39.90
2 Person     $1,321 $1121 n/a
Family $1,934 $1,639 $106.20

*Dental coverage is optional.


Current enrollees will remain on the plan and will not need to enroll again.

Attention New 2017 Enrollees:

Please make sure you read your health plan SPD to be familiar with your new benefits.   When downloading the summary plan description, please make sure to download the BCBS insert for 2017, as well.  BCBS did not do a separate summary plan description for 2017, only the updated insert to go along with the SPD from 2016.  There will be a new SPD for 2018, so please make sure to check back after the new year and download your copy.  Please note your prescriptions are now point of sale.  Prescription drugs are covered 100% for generic prescriptions and 80% for specialty prescriptions.  Each plan has a required deductible you must meet in order to be reimbursed at 80% for your specialty prescriptions.  Generic prescriptions are not applied towards your deductible and you will be reimbursed 100%, however you must still go online to file all of your prescription drug claims for reimbursement. 
 
To set up your point of sale prescription reimbursements, go to www.bcbsal.org  and register your member plan and set up your direct deposit for your point of sale prescription reimbursements.  To file a drug claim logon to www.bcbsal.org  and click on myBlueCross and then click on File a Drug Claim.  Once you file your point of sale prescriptions, you should receive your reimbursement electronically within 10 days.  Please note the annual deductible for your plan must be met first in order to receive reimbursement for your prescriptions.

Retiree Rates and Eligibility


RETIREESClick here to learn if you are eligible.

To apply, submit the following to the Medical Association: 

NOTE: In order to apply for insurance, the physician member must be current on 2017 Medical Association membership dues.

  1. Completed Application
  2. Employer Participation Agreement (only one necessary per group)
  3. Cover Page indicating type of coverage (High, Basic or Dental options for each application)
  4. $10 application fee (per application)
  5. Premium for the first quarter - Use the rates above to determine the quarterly rate for each application. (Quarterly premiums are due at this time for each application submitted.)


All applications for each group (physician and employees) must be sent at one time with one check (payment in full as described above). After the initial application is complete, The Medical Association will bill each entity quarterly for premiums due.

The Medical Association will not process any applications until all of the above information (items 1-5) is received, 2017 dues requirements met by all physicians applying, and all monies paid.

Make checks payable to The Physicians Insurance Plan of Alabama and mail to:
Medical Association of the State of Alabama
P.O. Box 1900
Montgomery, AL 36102

 
 
PIPA Eligibility requirements: 
    • Be a Regular member of Medical Association
    • If self‐employed (e.g., sole proprietorship, partnership, LLC, P.A. or certain S‐Corporations), have at least one employee other than the physician and his/her spouse eligible to be in the plan. 
    • In order for an employee to be eligible, he/she must be considered a full time employee working at least 30 hours per week.     
    • If the corporate structure of the physicians’ practice is a professional corporation (P.C.), there is no requirement that additional employees be eligible for the plan, but those employees are welcome to participate.

Not sure if you are eligible? Use the Eligibility Decision Tree to find out. In order for an employee to participate, the physician member must participate in the insurance plan.

Enrollees in the group practice do not have to all be on the same plan.

For information on joining The Medical Association contact Jennifer Hayes, Director of Membership, at (334) 954-2500 or click here for our online application. If joining online, you must click the "MASA Regular Member - $450" in the "MASA Membership Dues" drop down menu before submitting your application. 

If you have any questions please feel free to contact Mark Jackson, Brenda (Ellis) Green or Jennifer Hayes at (800) 239‐6272 or (334) 954‐2500.
 
To be eligible to enroll outside of the open enrollment period, you must be:
    • A new Medical Association member (Members who join within three years of terminating their membership are considered "reinstated" members and must wait until open enrollment to apply for insurance.)
    • A new licensee
    • New to Alabama
    • A newly hired employee of a group already participating in PIPA
    • A previously ineligible individual whose practice status has changed and are now eligible