If the Council of Professional Associations of Psychology (CPAP) were to offer group benefits and insurance plans, such as critical illness, long term disability (LTD), dental, drug, and life insurance, available nationally to psychologists, would you be interested in buying into it?

Would you be willing to pay more to get more benefits covered?

Would you be willing to pay a higher premium to have a higher reimbursement rate (e.g., 90% reimbursement vs. 60% reimbursement)?

Medical underwriting for an insurance plan means that applicants must provide some medical/health history before enrolling in a plan. Depending on your history there may be exclusions or limitations based on your individual pre-existing conditions.

How important is it to you to have an insurance plan that has NO medical underwriting?

Age-banding on an insurance plan means that different premiums apply to different age groups. Younger individuals will have lower premiums, while premiums tend to increase for older age brackets.

How important is it to you to have an insurance plan with NO age-banding?

To keep premiums lower, some insurance plans have waiting periods before you can receive any and/or full benefits (for example, you might need to be on the plan for 1 year before you are able to submit dental claims, or you may be restricted to 60% coverage in the first year, 70% coverage in the second year, etc.).

How important is it to you that you receive full benefits upon enrollment?