Group Gap

What is it?

An employer-sponsored group supplemental medical expense insurance which can reduce the overall cost of an employer’s group medical coverage. When employers combine this with a major medical insurance plan, it will provide coverage that groups need and can afford.

How does it work?

After the deductible is satisfied, the coverage will pay benefits until the Maximum Benefit amount has been reached. Depending on the employer's plan design, it will help pay the charges for hospital and outpatient applied to the deductible, coinsurance and co-payments. It can provide coverage towards the same expenses as your group's major medical insurance plan with the exception of certain exclusions outlined in the policy.

Why do groups need it?

It can save employers 10-20% on their group medical premium. This supplemental medical expense coverage helps maintain or improve benefits while providing additional hospital inpatient and outpatient coverage.

3 Things to Know


Maximum benefit options are any amount up to $9,500.


Deductible options are from $500 to $5,000 (higher deductibles are available upon request).


Co-insurance options are 0%, 90/10, 80/20, 75/25, 70/30, 50/50.

**This product and its features are subject to state availability and may vary by state. Certain exclusions and limitations may apply. For cost and complete details of coverage, please contact us or your agent. Please call the Life and Health Sales Department at 1-800-323-6907 for complete details. Click here to view product disclosures and statistic sources.

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