Hospital GAP Plan

The Hospital GAP Program is designed to complement a change in core employer provided health insurance benefits where:

  • The deductible for the Employer provided health insurance is increased;
  • Resulting in a substantial premium savings;
  • The Employer uses a portion of the savings to pay for GAP coverage for employees;
  • The Employees may buy dependent GAP coverage on a voluntary basis;
  • The Employer may use savings (or a portion thereof) to fund a Health Reimbursement Account (HRA)

Click here for an overview of how the Hospital GAP Plan can create value for you and your employees.

The Hospital GAP Program has three benefit options:

  • $1,000 Inpatient Hospital Benefit; or a
  • $1,000 Inpatient Hospital Benefit with a $1,000 Inpatient Surgery Benefit.
  • $1,000 Inpatient Hospital Benefit with $1,000 Inpatient Surgery Benefit and with Dr Office Visit Benefit, Child Wellness Visit Benefit, Emergency Room Visit Benefit and Diagnostic Testing Benefit.

Click here for more details such as State availability, exclusions and limitations