As your clients review their options for employee benefits, use this Gap Gauge calculator to demonstrate how our Gap insurance plan can supplement major medical insurance plans. It's a quick and easy way to show them an alternative to HRAs and HSAs.

You'll need the current medical renewal rates and quotes for your client's high deductible health plan. Key those inputs into the fields below and complete all fields (enter -0- in the fields that do not apply to your client's coverage). Once all the data is entered, you'll see your client's savings.

For more information on gap insurance please see our brochure.

Or email us to have your local Assurant Employee Benefits worksite representative contact you.
1. What is the average age of employees?
20 65
2. What are the plan's monthly renewal medical rates? How many lives are covered under each tier?
$ amount
# of lives
EE (employee)
EE+SP (employee + spouse)
EE+CH (employee + child)
FAM (family)
3. What are the monthly rates for the new high deductible medical plan?
$ amount
# of lives
EE (employee)
EE+SP (employee + spouse)
EE+CH (employee + child)
FAM (family)
4. What is the deductible for the new high deductible medical plan?
$500 $5,000
GAP PLAN'S INPATIENT CALENDAR YEAR BENEFIT WILL BE:
GAP PLAN'S OUTPATIENT CALENDAR YEAR BENEFIT WILL BE:
Your Results
MONTHLY MEDICAL RENEWAL PREMIUM:
NEW HDHP MEDICAL PREMIUM & GAP:
MONTHLY SAVINGS:
ANNUAL SAVINGS:
Group Hospital Confinement Indemnity "Gap" Insurance is underwritten by Fidelity Security Life Insurance Company. Policy #MG - 111;Policy Form #M-9054. This product is not available in all states. This is a limited policy and has some specific benefit limits. Please refer to the issued insurance policy for complete details and all benefit requirements, including all limitations, exclusions and restrictions. The policy may be cancelled with advance written notice to the policyholder. Insurance policies and certain policy benefits are subject to state variations and availability. Issued insurance contracts determine all plan features and benefits. Contact Assurant Employee Benefits for Gap plan costs and additional details.

Assurant Employee Benefits is the brand name for Group Hospital Confinement Indemnity "Gap" insurance underwritten by Fidelity Security Life Insurance Company.
*Savings are for illustrative purposes only and assume 100% employer contributions toward employee and dependant costs. Rates may vary by state.