CAP’s Member Support page highlights the answers to common member inquiries.
Click on a question below to expand the answer.
For additional support, please contact CAP’s Membership Services department by email at ms@CAPphysicians.com or by phone at 800-610-6642.
CAP members making payments to CAP by credit card are charged a 3% fee. This fee applies to any credit card payment made online, or by autopay, mail, phone, or other method.
In addition to the 3% credit card fee, CAP no longer accepts payments made by debit card.
- Online: Log in to the Members Only section of the CAP website at member.CAPphysicians.com and select the “Pay CAP Bill” button. You may pay your bill online by ACH/eCheck or credit card.
- Autopay: Set up your account for automatic monthly payments by ACH/eCheck or by credit card by logging into your CAP Members Only account at member.CAPphysicians.com. If you do not have a Members Only account, you will need to register to create one.
- By phone: Call CAP Membership Services at 800-610-6642 to pay your bill by ACH/eCheck or credit card.
- By mail: Your payment may be made via mail by submitting the remit portion of your statement with a check to the Cooperative of American Physicians, Inc., PO Box 511628, Los Angeles, CA 90051.
Enrolling in paperless billing lets you receive your CAP statement via email, pay your bill online, and manage your account easily through a secure portal.
Enroll in paperless billing today with the click of a button. Here’s how:
- Once logged in, select the green “Set Up Paperless Billing” button.
- Select the “Via Email Only” button.
- Verify your email address and click the “Save Changes” button.
CAP members are billed monthly with payments due on the 20th day of the month.
2. Once logged in, click on the “Pay CAP Bill” button. (Agree to the terms and conditions when prompted).
3. Click on the ”Set Up Autopay Payments” button and select the “New Bank Account” option under the payment method drop down menu.
4. Provide the required information to complete your enrollment.
For assistance with your account or if you have questions about your membership, please call 800-610-6642 or email MS@CAPphysicians.com
CAP members can obtain a certificate of coverage 24/7 by logging in to the Members Only area of the website at member.CAPphysicians.com and clicking “Certificate of Coverage.” If you do not have a Members Only account, you will need to register to create one. You can opt to download your certificate with or without claims history.
A CAP member can request non-private practice status if he/she will continue to perform professional medical services and is transitioning to a non-private practice where professional liability coverage is provided by an employer. Members approved for this status will pay a significantly reduced annual charge. To apply for non-private practice status, log in to member.capphysicians.com, download the non-Private Practice Application in the Applications section, and return the fully completed application by email to ms@CAPphysicians.com or by fax to 213-473-8773.
For CAP members, Locum Tenens is defined as a California licensed physician or surgeon who substitutes for and treats patients of another physician or surgeon on a temporary basis. It is important to notify us about your use of Locum Tenens to ensure you have appropriate coverage. To secure Locum Tenens Coverage, you must request coverage prior to the Locum Tenens rendering services to patients. There is no charge for Locum Tenens coverage up to 30 days per calendar year per member. If you use Locum Tenens services for more than 30 days per calendar year, a daily charge will apply.
As a member, your professional liability coverage may be extended to other physicians who are not members, but who work with you on a limited or short-term basis. To obtain ORP coverage, an application must be completed and approved by CAP in writing.
These are the requirements for ORP coverage:
- A fully-completed ORP application
- A current copy of the ORP’s Curriculum Vitae (CV)
- The physician(s) to be covered must possess a current California medical license
- The coverage provided to the physician(s) is only for services related to your practice
To apply, log in to member.capphysicians.com, download the Other Related Physicians Coverage Application in the Applications section, and return the fully completed application and CV by email to ms@CAPphysicians.com or by fax to 213-473-8773.
In order to qualify for retirement status with MPT you must have:
- attained the age of at least fifty-five (55);
- paid your Initial Trust Deposit (ITD) in full;
- maintained a minimum of five years of continuous medical professional liability coverage, the most recent twelve months with MPT, if you are younger than 65 at the time you retire.
To apply, log in to member.capphysicians.com, download the Retirement Application in the Applications section, and return the completed application by email to ms@CAPphysicians.com or by fax to 213-473-8773.
Part‐time practice is available for members who meet certain criteria. Part‐Time practice must be limited to no more than 20 hours per week (16 billable hours per week for anesthesiologists) on averaged per calendar quarter. Administrative work, pre‐operative and post‐operative time and surgical and non‐surgical office practice must be included in the 20 hour per week limitation.
To request part-time status, log in to member.capphysicians.com, download the Part-Time Practice Status Application in the Applications section, and return it by email to ms@CAPphysicians.com or by fax to 213-473-8773.
To request full-time status, email your request with your name, membership number, and full-time start date to ms@CAPphysicians.com or by fax to 213-473-8773.
Risk classification reductions are determined based on a variety of factors, to include your scope of practice. Before completing the application, CAP encourages reaching out to Membership Services by email at ms@CAPphysicians.com or by phone at 800-610-6642.
To be eligible for disability status, you must be unable to perform any and every duty of your regular professional occupation. Additionally, you must have a letter from your treating physician, which includes diagnosis, prognosis, and a statement that you are unable to perform any and every duty of your regular professional occupation. In addition, the letter must indicate the exact date of the disability and when the treating physician expects you will be able to return to work.
To apply for disability status, log in to member.capphysicians.com, download the Disability Status Application in the Applications section, and return the fully completed application by email to ms@CAPhysicians.com or by fax to 213-473-8773.
To update your contact information (email, phone number, or fax), please contact Membership Services by emailing ms@CAPphysicians.com or calling 800-610-6642.
CAP recommends that any potential changes to your address, moving, or opening a new location be reported as soon as possible in writing by email to ms@CAPphysicians.com or by fax to 213-473-8773.
Every year, CAP members are asked to report any actual or potential changes that may impact their practice and coverage, including but not limited to: retirement from practice at age 55+, a reduction in hours, new affiliations or appointments, joining a practice insured by another carrier, moving out of state, or terminating membership.
The Board of Trustees of the Mutual Protection Trust levies its annual assessment in November. Beginning in August, CAP members receive email, mail, and fax notifications to complete their Coverage Update Form (CUF) as soon as possible (we strongly recommend returning the CUF no later than October 31st) to be evaluated for assessment reductions, proration, or other adjustments.
The biennial elections for the Cooperative of American Physicians, Inc. (CAP) Board of Directors and for the Mutual Protection Trust (MPT) Board of Trustees are held in July. All members of record on the specified date of the biennial election year will receive voting materials in the mail for the election of the CAP and MPT Boards and any proposed changes to the MPT Agreement. We also offer convenient methods for members to vote by text or email. Because CAP is a physician-led organization, your vote has a direct impact on the future of CAP and MPT, and a quorum of 50% of eligible members must be reached.