Gap insurance is designed to provide benefits that supplement existing major medical or comprehensive health insurance plans. The additional benefits help cover out-of-pocket expenses related to coinsurance, co-pays and deductibles for inpatient and outpatient services. Gap premiums may be paid by the employer, the employee or shared.

For more information on gap insurance please see our brochure.
Use this tool to get an idea of the Gap Rates for your group!

A rule of thumb for using the tool: The maximum Inpatient Benefit should be no more than the employee's total out-of-pocket maximum