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2022 Open Enrollment: How to Take Advantage of Exclusive Personal Insurance Coverage at Excellent Group Rates

CAP Physicians Insurance Agency , Inc. (CAP Agency) is pleased to announce the upcoming 2022 open enrollment period when CAP members will have the exclusive opportunity to access a wide range of personal insurance products and flexible plan options at competitive large group rates.

Open enrollment will occur this year from October 1st through November 15th for coverage beginning January 1, 2023.  

On-Demand Webinar: Key Strategies for Ensuring a Profitable Independent Practice
During this one-hour program, practice management expert Debra Phairas discusses how various business models and operational enhancements can increase revenue to help your practice remain successful in today’s competitive marketplace.

Open enrollment is only scheduled once a year for a limited time, so this will be your best chance to take advantage of the excellent benefits CAP Agency has to offer members through MetLife at low group rates.

The following products will be available for you to upgrade your existing benefits or purchase new coverage.

Short Term Disability1

$1,000 weekly benefit plan in addition to state disability benefits. 

Long Term Disability1,2

Up to a $10,000 maximum monthly benefit2 available or 60%
of your income.

Life Insurance (Medical Underwriting Required for New Policyholders3)

Up to a $500,000 death benefit paid directly to the beneficiary

Accident Insurance1

Affordable coverage for unforeseen bills after an accident or injury, especially if you have a high deductible health plan or limited network.

Critical Illness Insurance1

Protection from the financial impact of a critical illness such
as cancer diagnosis, heart attack, or stroke.

Hospital Indemnity Insurance1

Coverage to help pay for expenses, such as hospitalization admission and confinement, that may not be covered under your medical plan.

Dental and Vision1
(purchased separately)

Flexible plan options available for physicians and their family members.


New Offerings

Legal Plans

Access to experienced attorneys to help with estate planning, home sales, tax audits, and more. 

Identity & Fraud Protection

Fraud protection, digital security, and identity theft protection, all under the same plan.

Pet Insurance

Helps cover the costs of vet visits, accident, illness, and more.


Save the date and prepare now:

Review your current policies and benefits.

Assess your current personal and business needs and any major changes within the past year.

Collect required information: Social security numbers, beneficiary information, birthdates, etc.

Review available coverage programs at

Our goal is to ensure that all CAP members have a comprehensive overview of their available benefits so you can make informed decisions on what kinds of coverage are best for you, your family, and your practice for the coming year.

More information about the open enrollment period will be available in October. Do not miss important emails from CAP that will include details on rates and enrollment. Contact us today at 800-819-0061, or at for questions about your current coverage or anticipated coverage needs. 


¹To be eligible, you must be working in healthcare at least 17.5 hours/week and cannot be currently disabled or at the time coverage becomes effective. Other limited time preexisting condition exclusions may apply.

2Income from the tax year immediately prior will be used to determine benefit at time of claim.

3Members covered by CAP longer than 90 days and not previously enrolled in supplemental life coverage.