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Gap Health Insurance

Supplemental insurance to help fill the gaps in your major medical plan

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Get a Free Gap Health Insurance Quote in Minutes!

Supplemental insurance to help fill the gaps in your major medical plan

Individual Marketplace major medical deductibles in 2020 range from $1,519 (Gold plan) to $6,506 (Bronze plan).

Do you have enough money (or funds in a health savings account) to meet your annual major medical deductible if you have a covered accident or critical illness? If not, think gap health insurance.

For example, gap insurance can include critical illness + accident insurance coverage that provides a fixed lump-sum benefit as a result of a covered critical illness. This lump-sum payment can be used any way you see fit. Accident coverage is available for covered expenses incurred, up to a maximum benefit limit, whichever is less.

What Gap May Cover

  • Broken bones
  • Life-threatening cancer
  • Heart attack
  • Kidney failure
  • Stroke
  • Coma
  • Coronary bypass
  • Loss of sight, speech or hearing
  • Major organ transplant
  • Paralysis
  • Severe burn

What Gap May Not Cover

  • Preventive care such as routine physicals
  • Any non-medically necessary or experimental procedures
  • Injuries or illness related to participating in extreme or dangerous activities (rock climbing, skydiving, private aviation, etc.) or sustained at work or under the influence of drugs or alcohol
  • Medical expenses incurred prior to the policy effective date or after the expiration date

Pros and Cons of Gap Health Insurance

  • You choose how to use benefits payments – There is no restriction on how to use the money you receive, whether for medical costs or to pay for groceries.
  • Apply year-round – There is no official open enrollment period and, in most cases, coverage begins the next day after you enroll online.
  • A plan for every budget – There are different levels of coverage to meet different needs.
  • Keep your doctor – No provider network limitations for fixed indemnity plans means you can visit your preferred healthcare provider.

Find Answers to Gap Health Insurance Questions

What is gap insurance? open What is gap insurance?
Is gap insurance ACA-compliant? open Is gap insurance ACA-compliant?
Are pre-existing conditions covered by gap health insurance? open Are pre-existing conditions covered by gap health insurance?
Do I need to be enrolled in a major medical plan to buy gap insurance? open Do I need to be enrolled in a major medical plan to buy gap insurance?
How much does gap insurance cost? open How much does gap insurance cost?
What does gap insurance cover? open What does gap insurance cover?
How does gap insurance work? open How does gap insurance work?
Who should get gap insurance? open Who should get gap insurance?
Am I limited in how I can use my medical gap insurance payments? open Am I limited in how I can use my medical gap insurance payments?
When can you get gap insurance? open When can you get gap insurance?
Will gap health insurance benefits be paid only if I visit certain network providers? open Will gap health insurance benefits be paid only if I visit certain network providers?
Will my gap health insurance benefits be paid to me? open Will my gap health insurance benefits be paid to me?
Is there an annual or lifetime maximum limit to the gap health insurance policy? open Is there an annual or lifetime maximum limit to the gap health insurance policy?

Gap Health Insurance Resources

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