GAP - Supplemental Medical Coverage

Health insurance has been one of the most effective both physical and financial wellness tools employers could offer employees by helping protect them from high medical costs. To manage rising premiums, employers have migrated to higher-deductible plans. While HDHPs can be a great solution, they have the potential to impact retention by exposing employees to higher medical out-of-pocket expenses.

GAP insurance can help.

Gap policies are secondary insurance designed to supplement medical coverage and help offset costs related to inpatient and outpatient medical care.

MedMutual Protect offers two types of GAP policies:
Our new MedMutual Protect GAP policy combines the inpatient and outpatient benefit for a straight-forward approach.

Our Signature GAP policy include two separate benefits for inpatient and outpatient care.

Employers have the freedom to choose policies that include inpatient hospital, outpatient care and other important benefit options.

MedMutual Protect GAP* - One Combined Benefit

The MedMutual Protect GAP policy offers a combined inpatient and outpatient benefit for employees and their covered dependents. Features include:

  • Straight-forward policy design that is easy to understand.
  • Benefit amounts up to $10,000.
  • Optional benefit for treatment of mental illness and/or substance abuse.

Signature GAP** - Two Separate Benefits

Features of the Signature GAP policy include:

  • Separate benefit amounts for inpatient and optional outpatient services.
  • Inpatient benefit maximums up to $7,000.

*Underwritten by Reserve National Insurance Company.

**Underwritten by Fidelity Security Life Insurance Company ® Kansas City, MO 64111

Policy Form No. M-9134/M-9135. Policy Nos. MG-158/MG-159/MG-160.

How it Works

Enrolled employees receive an ID card.

The employer receives the policy and a certificate.

Employees provide GAP ID cards to providers, along with their medical ID cards.

Benefits are paid to providers (when an assignment of benefits exists) or employees.

Give employees the health insurance protection they deserve.

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