Your 2025 Open Enrollment Period Closes on November 30, 2025!
Members of the Cooperative of American Physicians (CAP) have until November 30, 2025, to take advantage of competitively priced insurance products through Symphony Health. The new coverage period goes into effect January 1, 2026.
As a CAP member, you can benefit from excellent group rates and the expertise of licensed insurance agents who have a deep understanding of your unique needs as a physician.
This is the only time of year that you can upgrade your existing benefits or select new coverages!
The following policies are available to protect you and your family against unexpected life events that could threaten your financial security:
- Life Insurance – Up to $500,000
- Short-Term Disability Insurance¹ – $1,000 weekly
- Long-Term Disability Insurance1,2 – Up to $15,000/month – New Increased Coverage Amount
- Critical Illness Insurance³ – Up to $30,000 lump sum
- Accident Insurance – Affordable coverage for the unforeseen
- Dental and Vision Insurance – Significant savings on routine care and major services without a waiting period
- Hospital Indemnity Insurance – Up to $2,000 for admission and $400/day for 15 days. No pre-existing condition exclusions.
- And many more!
Learn More and Enroll! www.CAPphysicians.com/Enroll
Need Help? Contact Symphony Health
Call: 213-576-8530 Email: HealthCareServices@SymphonyRisk.com
Here are five smart reasons to secure your personal insurance coverages through Symphony Health
during this limited-time open enrollment period:
- Symphony Health’s licensed agents are experienced in tailoring coverage just for physicians.
- Symphony Health has your best interests as their number one priority.
- All your personal insurance needs are covered in a one-stop-shop from an industry-leading
carrier (MetLife). - Enjoy benefits for the entire family.
- Easy access to coverages at specially negotiated rates just for CAP members.
Important Notice
The portal to enroll in these insurance benefits is new and is typically intended for large associations and employer groups, offering CAP members the benefit of purchasing these customized insurance plans at group rates with flexible coverage options.
While the portal may reference “employee,” “employer,” or “company,” these terms do not apply to CAP members, so you may disregard them.
If you currently hold personal insurance policies through Symphony Health, you will still need to register as a new user to access this platform for the first time.
Get started at: www.CAPphysicians.com/Enroll
- Please select “First Time User” in the log-in box (please disregard references to employer or employee on this screen)
- On the next screen, please select “Employee”
- Enter the information requested and click “Continue”
- Create your username and password and click “Continue”
- Click “Continue” once your credentials are saved to return to the login page
- Log in and follow the instructions on the homepage to access coverage options
CAP members can access these tailored insurance products at special group rates through CAP’s relationship with Symphony Health, a division of Symphony Risk Solutions. Designed specifically for CAP, these programs help members save on costs while receiving expert guidance to select the right coverage for their needs.
¹Limited time pre-existing conditions exclusions apply. To 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.
³Income benefits details available in the Resources section of the enrollment portal or call to request. Preexisting exclusion applies (except for heart attack or stroke).