Part-Time Coverage

The MMA will permit a premium discount/credit for the following part time physicians and dentists.

• Retired non-practicing physicians or dentists donating time to charitable or non-profit organizations (i.e. Free Clincs)
• Residents moonlighting at rural or small community emergency room departments
• Part time and/or semi-retired physicians or dentists who are working no more than eighty-five hours per month.
• Government employed physicians and dentists requesting coverage for outside activities (such as VA Hospital, state or county health department or a teaching hospital)
• Physicians and dentists who are employed by a hospital or other facility requesting coverage for outside activities.

Credits provided by the MMA for part-time coverage are as follows:

• 50% credit for up to 21 hours per month
• 40% credit for 22-43 hours per month
• 30% credit for 44-85 hours per month
• 0% credit for over 85 hours per month.

Conditions:

• A Part Time Physician/Dentist Professional Liability Application must be completed by the applicant every year for the purposes of determining whether the applicant is eligible for this type of coverage.
• The hours reported to the MMA for rating purposes are subject to audit at the MMA’s discretion.
• Physicians or dentists who are subject to experience rating or scheduled rating surcharges are not eligible for this part time discount.

Please visit The Resource Center /  Applications and Forms page on SCMMA.net to download an application for part time coverage.