Participating Insurers Agreement 2015: What You Need to Know

The Participating Insurers Agreement (PIA) is an agreement between insurers and healthcare providers to provide medical services to patients. It sets the terms and conditions for the reimbursement of claims and the payment of services provided by healthcare providers. The agreement is reviewed and updated periodically to reflect changes in medical practices, technology, and legal requirements.

The latest update of the PIA took place in 2015, and it has significant implications for healthcare providers and insurers. Here are some of the key changes and what they mean for you.

Expanded Definition of Participating Provider

The PIA 2015 expands the definition of a participating provider to include telemedicine providers. This means that healthcare providers that provide medical services through telecommunication technology are now eligible for reimbursement under the PIA. Telemedicine has become more widespread due to the COVID-19 pandemic, and this change reflects the growing use of technology in healthcare.

Changes in Reimbursement Rates

The PIA 2015 also includes changes in reimbursement rates for various medical services. Some services will see an increase in reimbursement rates, while others will see a decrease. For example, reimbursement rates for primary care services provided by nurse practitioners and physician assistants will increase, while the rates for outpatient mental health services will decrease. Healthcare providers must be aware of these changes to ensure that they are adequately reimbursed for the services they provide.

New Provisions for Preventive Services

The PIA 2015 includes new provisions for preventive services. Healthcare providers are now required to provide certain preventive services, such as immunizations and cancer screenings, to patients at no cost. Insurers are required to cover these services without cost-sharing, such as copayments and deductibles. This change reflects the increasing emphasis on preventive care in healthcare.

Increased Transparency

The PIA 2015 includes provisions for increased transparency in the billing and payment process. Healthcare providers are required to provide patients with a clear explanation of the services provided and the charges associated with those services. Insurers are required to provide clear explanations of the benefits covered and the reimbursement rates for those benefits. This change aims to reduce confusion and conflicts between healthcare providers and insurers.


The Participating Insurers Agreement 2015 has several changes that healthcare providers and insurers must be aware of. The inclusion of telemedicine providers, changes in reimbursement rates, new provisions for preventive services, and increased transparency are some of the key changes. Healthcare providers must ensure that they comply with the terms and conditions of the agreement to receive reimbursement for the services they provide to patients. Insurers must provide clear explanations of the benefits covered and the reimbursement rates for those benefits. Overall, the changes in the PIA 2015 reflect the evolving landscape of healthcare and the increasing emphasis on preventive care and technology.