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2023 Open Enrollment

Take Advantage of Exclusive Personal Insurance Coverage at Excellent Group Rates

CAP Physicians Insurance Agency, Inc. (CAP Agency) is pleased to announce the upcoming 2023 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, 2024. 

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 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. Supplements the long-term disability policy’s 90-day waiting period.

Long-Term Disability1,2

Up to a $10,000 maximum monthly benefit² available or 60% of your income after a 90-day waiting period.

Life Insurance (Medical Underwriting Required for New Policyholders³)

Up to a $500,000 death benefit paid directly to the beneficiary tax-free.

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

Flexible plan options available for physicians and their family members.

Newest 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!

Here’s what you can do now to make sure you take full advantage of all the products available during the open enrollment period:

•   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 insurance are best for you and your family 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.