The Physicians Insurance Plan of Alabama

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1 The Physicians Insurance Plan of Alabama Application for Insurance This document contains an Application for Insurance and Employer Participation Agreement. In order to apply for insurance, the following must be mailed with payment: Completed Application and Employer Participation Agreement $10 application fee (per application) Premium (Call Brenda Ellis at (800) for amount required for enrollment) All applications for each group (physician and employees) must be sent at one time with one check. After initial enrollment is complete, MASA will bill each entity quarterly for premiums due. Make checks payable to: The Physicians Insurance Plan of Alabama (PIPA) Mail payment and all required documents to: Medical Association of the State of Alabama (MASA) P.O. Box 1900 Montgomery, AL 36102

2 An Independent Licensee of the Blue Cross and Blue Shield Association APPLICATION FOR ENROLLMENT PHYSICIANS INSURANCE PLAN OF ALABAMA Please select the option(s) you wish to enroll in: Medical High Option Dental (at additional cost) Medical Basic Option The person completing this application should keep the copy labeled Employee Copy and carefully read the information on the reverse side regarding special enrollment rights, pre-existing conditions exclusion, and Women s Health and Cancer Rights Act Notice. 450 Riverchase Parkway East PO Box 995 Birmingham, AL

3 IMPORTANT DISCLOSURE NOTICE Notice of Group Health Plan Special Enrollment Rights If you are declining enrollment for health plan benefits for yourself or your dependents (including your spouse) because of other health insurance or group health plan coverage, you may in the future be able to enroll yourself and your dependents in this plan if you or your dependents lose eligibility for that other coverage (or if the employer stops contributing towards other coverage for you or your dependents). However, you must request enrollment within 30 days after your or your dependents other coverage ends (or after the employer stops contributing towards the other coverage). In addition, if you have a new dependent as a result of marriage, birth, adoption, or placement for adoption, you may be able to enroll yourself and your dependents. However, you must request enrollment within 30 days after the marriage, birth, adoption, or placement for adoption. If you or your dependent lose coverage under Medicaid or a State Children s Health Insurance Plan (SCHIP) because of loss of eligibility for coverage, you may be able to enroll yourself and your dependent in this plan. You may also be able to enroll in this plan if you or your dependent becomes eligible for premium assistance under Medicaid or SCHIP for coverage under this plan. However, you must request enrollment within 60 days of any such event. To request special enrollment or obtain more information, contact your employer at the telephone number or address listed for your employer in this enrollment application. Notice of Group Health Plan Pre-existing Conditions Exclusion Effective on the first day of this group health plan s plan year beginning in 2014, this plan does not impose any pre-existing condition exclusion. Up until the first day of this group health plan s plan year beginning in 2014, this group health plan imposes a pre-existing condition exclusion. This means that if you have a medical condition before enrolling in this plan, you might have to wait a certain period of time before this plan will provide coverage for that condition. This exclusion applies only to conditions for which medical advice, diagnosis, care, or treatment was recommended or received within a six-month period. Generally, this six-month period ends the day before the day coverage becomes effective. The pre-existing condition exclusion does not apply to pregnancy nor to a child who is enrolled in the plan within 30 days after birth, adoption, or placement for adoption. Effective for plan years beginning on and after October 1, 2010, the preexisting condition exclusion will not apply to members under age 19. This exclusion may last up to 12 months (18 months if you are a late enrollee) from your first day of coverage, or, if you were in a waiting period, from the first day of your waiting period. However, you can reduce the length of this pre-existing condition exclusion period by the number of days of your prior creditable coverage so long as you have not had a break in coverage of at least 63 days. Most prior health coverage is creditable coverage, including group health plan coverage, COBRA continuation coverage, coverage under an individual health policy, Medicare, Medicaid, U.S. Military, TRICARE, State Children s Health Insurance Program (SCHIP), Federal Employee Program, Peace Corps Service, a state high risk pool, or a public health plan established or maintained by a State, U.S. Government, foreign country or any political subdivision of a State, U.S. Government or foreign country. You may request a certificate of creditable coverage from a prior plan or issuer. There are also other ways that you can show you have creditable coverage. To reduce the 12-month (or 18-month) exclusion period by your creditable coverage, you should attach a copy of any certificates of creditable coverage or other documentation you have to this enrollment application. If you do not have a certificate of creditable coverage, but you do have prior health coverage, Blue Cross and Blue Shield of Alabama will help you obtain one from your prior plan or issuer, if necessary. All questions about pre-existing condition exclusions and creditable coverage should be directed to your employer at the telephone number and address listed for your employer in this enrollment application. Even if you have no pre-existing conditions, benefits may not be available under other provisions of the plan. For example, the services may be excluded or may require preapproval. Be sure to read your Benefit Booklet for details. Women s Health and Cancer Rights Act Notice The Women s Health and Cancer Rights Act of 1998 requires group health plans that provide coverage for mastectomies to also provide coverage for reconstructive surgery and prostheses following mastectomies. A participant or dependent who is receiving benefits in connection with a mastectomy will also receive coverage for: all stages of reconstruction of the breast on which the mastectomy was performed; surgery and reconstruction of the other breast to produce a symmetrical appearance; and prostheses and treatment of physical complications of the mastectomy, including lymphedema. Benefits for this will be subject to the same calendar year deductible and coinsurance provisions that apply to other medical and surgical benefits.

4 PLEASE PRINT USING UPPERCASE LETTERS: (USE BLACK BALL POINT PEN PRESS FIRMLY) * INDICATES REQUIRED FIELDS **WILL BE COMPLETED BY MASA EMPLOYEE INFORMATION Application For Enrollment HEALTH GROUP NO.* HEALTH DIV. NO.** DENTAL GROUP NO.** DENTAL DIV. NO.** DR. MR. MRS. MS MAIDEN/ MAILING ADDRESS* CITY STATE ZIP PHONE NUMBER HOME WORK CELL ADDRESS (Optional) FE * MARITAL STATUS (MARK ONE) SINGLE MARRIED TYPE OF MEDICAL COVERAGE SELECTED* TYPE OF DENTAL COVERAGE SELECTED (AT AN ADDITIONAL COST) DIVORCED WIDOWED INDIVIDUAL TWO PERSON FAMILY INDIVIDUAL FAMILY LIST ALL DEPENDENTS ELIGIBLE UNDER THIS CONTRACT AND PROVIDE SOCIAL SECURITY NUMBER. NOTE: The Social Security Number for the employee and all dependents must be provided in order for this application to be processed. By signing this application, you certify that all dependents are eligible for coverage under the terms of the Group Plan for which you are applying. MAIDEN/ SPOUSE FE FE FE FE

5 LIST ALL DEPENDENTS ELIGIBLE UNDER THIS CONTRACT AND PROVIDE SOCIAL SECURITY NUMBER. NOTE: The Social Security Number for the employee and all dependents must be provided in order for this application to be processed. By signing this application, you certify that all dependents are eligible for coverage under the terms of the Group Plan for which you are applying. FE If any dependent child above is over the applicable maximum age under your Group Plan and is incapacitated, please contact your Group Administrator to determine if coverage is available and/or obtain additional documents for completion. STUDENT EXTENSION CERTIFICATION: If the Group Plan under which you are applying requires student certification, please list any dependent child applying for student extension. NAME OF NAME OF SCHOOL NAME OF NAME OF SCHOOL EMPLOYEE INFORMATION LAST NAME * FIRST NAME * SOCIAL SECURITY NUMBER * NATURE OF APPLICATION NEW CONTRACT APPLICATION CANCEL CONTRACT Medical Coverage Dental Coverage Medical and Dental Coverage CHANGE CONTRACT Name Change Address Change Type of Coverage Change QUALIFYING EVENT TYPE: Marriage Birth/Adoption Loss of Coverage (Attach Certificate of Creditable Coverage) ADD/REMOVE DEPENDENT Add Spouse Add Dependent Child Remove Spouse Remove Dependent Child REMOVE DEPENDENT DUE TO Entered Military Service Divorce Death Request Other DATE EVENT OCCURRED COORDINATION OF BENEFITS INFORMATION If you, your spouse, or your dependents are covered by any other group health insurance, please provide the following information. NAME OF CONTRACT HOLDER/DEPENDENT POLICY, ID, CONTRACT OR CERTIFICATE NUMBER NAME OF INSURANCE COMPANY TYPE COVERAGE INDIVIDUAL FAMILY EFFECTIVE DATE OF OTHER COVERAGE (MM/DD/YYYY) EMPLOYER S NAME GROUP NUMBER TRANSFER COVERAGE A transfer of coverage occurs when you want to cancel one Blue Cross and Blue Shield of Alabama contract and enroll in another without a break in coverage. Please note that the transfer cannot occur prior to the date of employment. If you or your spouse are currently covered by a Blue Cross and Blue Shield of Alabama contract and wish to transfer to this group, please complete. MEDICARE BENEFITS INFORMATION If you, your spouse, or your dependents are covered by Medicare, please provide the following information. LAST NAME CURRENT BLUE CROSS AND BLUE SHIELD OF ALABAMA CONTRACT NUMBER FIRST NAME MAIDEN/ MEDICARE NUMBER (MM/DD/YYYY EFFECTIVE DATE) (MM/DD/YYYY EFFECTIVE DATE) (MM/DD/YYYY EFFECTIVE DATE) PART A PART B PART D

6

7 PHYSICIANS INSURANCE PLAN OF ALABAMA (PIPA) EMPLOYER PARTICIPATION AGREEMENT Every item must be completed. When completed, return this form to the Medical Association of the State of Alabama (MASA) at: P.O. Box 1900 Montgomery, Alabama We are not taking faxed or ed applications. Please enclose your check for the month of December, first quarter of 2015 and a $10 application fee, per application. BEFORE COMPLETING THIS APPLICATION, PLEASE VISIT for an eligibility decision tree. Note that any physician participating in PIPA must be a regular member (full dues paying member) of MASA, and that all employees and physicians participating must be working full time (at least 30 hours a week). A. EMPLOYER INFORMATION: Employer Name (Entity): EIN (Federal Tax ID): Street Address: City: State: Zip: Primary Contact: Phone: B. THE EMPLOYER MUST MEET ONE OF THE FOLLOWING REQUIREMENTS TO PARTICIPATE IN THE PLAN. IN ORDER TO QUALIFY SUBSTANTIALLY ALL OF THE SERVICES OFFERED BY THE ENTITY MUST BE PHYSICIAN SERVICES. PLEASE INITIAL WHICH PARTICIPATION REQUIREMENT YOU SATISFY: 1. professional corporation (P.C.) 2. sole proprietor with at least one employee (see definition below) other than the owner and his/her spouse 3. professional association (P.A.) with at least one employee (see definition below) other than the owners and their spouses 4. partnership with at least one employee (see definition below) other than the partners and their spouses 5. limited liability company (LLC) with at least one employee (see definition below) other than the LLC members and their spouses 6. S-corporation with at least one employee (see definition below) other than 2% or more shareholders and their spouses 7. Other - please specify. (Must be 51% physician owned). In order to meet the qualification for having at least one employee (above), the employee must work full time, which is defined as working at least 30 hours a week, in order to be eligible. (The employee does not have to elect to participate in the plan, but must be eligible.) The qualifying physician must participate in order for the entity s employees to participate. C. QUALIFYING PHYSICIAN Provide the name of one regular member (full dues paying member) of MASA who owns an interest in the employer:. D. CERTIFICATION By signing below, I certify that I am authorized to act on behalf of the Employer and in this role: I agree that the above representations are true and correct and have legal consequences that bear on the eligibility of the Employer to participate in the Plan and the ability of the Employer s eligible employees to enroll in coverage under the Plan. I acknowledge that the Employer is responsible for accurately determining its eligible employees, promptly notifying the Plan of all eligible new hires, promptly forwarding to the Plan s trust all premiums from participating employees, and otherwise complying with all employer responsibilities under the Plan and applicable law. I agree that the Employer shall indemnify, defend and hold harmless PIPA, MASA, and PIPA and MASA s agents, officers, attorneys, employees and Board members, for any costs or damages for failure to comply with the Employer s obligations or errors in determining eligible individuals. I agree to immediately notify MASA of any changes to the information on this form. Name of Physician-Owner (Please Print): Signature of Physician-Owner: : Number of Full-Time Employees (including owners): Date: The Medical Association of the State of Alabama is prohibited from offering you legal advice, or advice on restructuring your entity to qualify for the Plan.

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