What is medical gap insurance?
How will you prepare for out-of-pocket expenses from hospital and doctor bills? Most insurance will only cover a portion of your overall medical expenses. The medical gap plan is designed to help cover your out-of-pocket expenses that can really add up, such as your deductible and your Co-insurance (typically employees are responsible for 20%-30%). Supplementing your major medical with medical gap insurance may help you pay for expenses, such as:
Why do I need it?
Medical gap insurance can help you pay for the out-of-pocket expenses that could otherwise drain your budget. 24% of American households reported having problems paying medical bills within the last year1. Supplementing your medical insurance with medical gap insurance can help you cover your expenses so you can focus on getting well.
1Robert Wood Johnson Foundation: Health Priorities Survery: The Medical System and the Uninsured; June 2009
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