diff --git a/src/layouts/payment-method/payment-method.vue b/src/layouts/payment-method/payment-method.vue
index 4604c1f4c..0910920a9 100644
--- a/src/layouts/payment-method/payment-method.vue
+++ b/src/layouts/payment-method/payment-method.vue
@@ -559,11 +559,12 @@ export default {
             const piaExperience = this.getSettingValue(experimentSettings.PIA_EXPERIENCE);
             const piaInsurance = this.getSettingValue(experimentSettings.PIA_INSURANCE);
 
-            const isEnabled =
-                (piaExperience === "PIA Optional" ||
-                    piaExperience === "PIA Required" ||
-                    piaInsurance === "true") &&
-                this.currentDeductible !== 0;
+            var isEnabled = false;
+            if (this.isInsurance) {
+                isEnabled = piaInsurance === "true" && this.currentDeductible !== 0;
+            } else {
+                isEnabled = piaExperience === "PIA Optional" || piaExperience === "PIA Required";
+            }
 
             return !isEnabled;
         },