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.  


2024 PIPA Benefit Summary Guide
2024 Benefit Summary Sheet

2024 Quarterly Rates

effective January 1 - December 31, 2024

If you have any questions please feel free to contact the PIPA office at (334) 954‐2514 or email

PIPA Eligibility requirements

    • Be a Regular member of the Medical Association, which includes paying regular annual medical association dues as well as your local county membership dues.
    • If self‐employed (e.g., sole proprietorship, partnership, LLC, P.A. or certain S‐Corporations), have at least one employee other than the physician. 
    • 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.
    * Physicians who are retired and otherwise Dues Exempt, are only required to pay State Dues.

Not sure if you are eligible? Use the Eligibility Decision Tree (document on the PIPA Document Tab) 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.

To apply, submit the following to the Medical Association: 

NOTE: In order to apply for insurance, the physician member must be current on 2024 Medical Association membership dues, and their local county membership dues.

  1. Completed Application
  2. Employer Participation Agreement (only one necessary per group)
  3. Cover Page indicating type of coverage (Platinum, Gold(High), Silver(Basic), Bronze, HSA/HDHP 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.)
  6. HDHP Agreement MUST be mailed with any HSA/HDHP Applications

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, 2024 dues requirements met by all physicians applying, and all monies paid.

Make checks payable to The Physicians Insurance Plan of Alabama and mail to:
Physicians Insurance Plan of Alabama
P.O. Box 1900
Montgomery, AL 36102
If you have any questions please feel free to contact the PIPA office at (334) 954‐2514 or

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 
For information on joining The Medical Association contact Meghan Martin at (334) 954-2513 or click here for our Membership application. If joining online, you must pay full (non-discounted) dues for the Medical Association and your Full County Dues before submitting your application. 

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