Medicare Division Health Insurance

PIPA coverage for Medicare-covered physicians, family, and staff is available.  However, because of the Affordable Care Act certain eligibility requirements must be met.

In order to qualify, all of the following criteria must be met:

1. The physician must be a full dues paying member of the Medical Association to participate, which includes paying regular annual medical association dues as well as your local county membership dues. 
2. The physician’s former employer/practice must currently be participating in the Medical Associations insurance plan.
3. Spouses and dependents can only have coverage if the physician member is participating in the Medical Associations insurance plan.
4. Finally, as in the past, as a retiree you must have Medicare as your primary coverage and the Medical Associations plan will serve as your secondary insurance policy.
* Physicians who are retired and otherwise Dues Exempt, are only required to pay State Dues.

Rates

Please note that the rates listed below apply to Medicare disabled and fully retired participants.  Part A and Part B of Medicare are required, so benefits for this Division are covered with Medicare primary and PIPA Health insurance secondary.  Spouses who have not yet reached age 65 and who are not Medicare eligible will continue to receive Blue Cross coverage as long as the physician member is eligible.

The 2022 PIPA High Option Medicare Retiree Monthly Rates are as follows:

One Medicare Eligible		$527
Two Medicare Eligible		$1054
One Medicare Eligible + One Non-Eligible		$1224
Family with One Medicare Eligible		$1946
Family with Two Medicare Eligible		$1765
Family with Three Medicare Eligible		$1591

The 2021 PIPA High Option Medicare Retiree Monthly Rates are as follows:

One Medicare Eligible		$502
Two Medicare Eligible		$1004
One Medicare Eligible + One Non-Eligible		$1,165
Family with One Medicare Eligible		$1,853
Family with Two Medicare Eligible		$1,681
Family with Three Medicare Eligible		$1,515

The Medicare Division is only available as High Option coverage. 
Rates include an administrative fee.

Optional dental coverage is available for physician members and their families.  The monthly rates are $41.00 for individual and $107.00 for family.

In order to compare your PIPA plan to other individual plans being offered, go to www.bcbsal.org.  PIPA high option benefits equate to the BCBS Platinum Plan.  If you have any questions in regard to your medical or dental insurance, please contact Brenda Ellis at bellis@alamedical.org at 800-239-6272 or (334) 954-2500.

See below for Application for Insurance and Benefit Books

Please write "Retiree Division" on the top of your Application