Ins/Mark of America

Medical Gap Insurance

Bridging the Gap

Introducing a new type of health insurance policy designed to supplement your Primary Medical Insurance Policy (Major Medical Insurance). This GAP plan helps bridge the gaps in coverage that exist in your current health insurance plan by reducing or even eliminating the out-of-pocket expenses associated with hospital and doctor bills. The GAP plan accomplishes this by paying co-pays, deductibles and co-insurance which are not paid by the Primary Medical Policy, but is still considered eligible expenses by the Primary Medical Policy.

Benefit Options

To help bridge the coverage gap you can select an annual calendar benefit starting as low as $2,000 or a maximum benefit of $10,000 (in $1,000 increments).

Inpatient Deductibles are available: $ 0 (no deductible), $250, $500 or $1,000.

How will you prepare for out-of-pocket charges from hospital and doctor bills?

As healthcare costs continue to increase, many individuals are moving towards high-deductibles and increased co-insurance on major medical plans in an effort to reduce costs. While this approach reduces the cost of your health insurance, it puts you at greater financial risk. In fact, more than 6 in 10 adults who say they have problems paying their medical bills are covered by health insurance.

Bucket of Money

  • Think of your GAP benefits as if you were purchasing a bucket of money at a fraction of the cost to help offset the expense associated with your medical deductible and co-insurance.
  • You will take enough money out of your pocket to pay for your plan's Deductible.
  • You will also take enough money out of your bucket to pay your Co-insurance amount.
  • And then each calendar year your plan will refill the bucket up to your annual pre-selected amount.

More Information about Gap Insurance

  • Gap Insurance Brochure Page 1
  • Gap Insurance Brochure Page 1

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