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Gap plans are available in many states (excluding Florida) and are offered by at least one carrier. These plans require you to have an Affordable Care Act (Obamacare) policy and can be purchased only up to age 65 (64 in some states). Coverage also stops at age 65.
A gap plan allows you to purchase benefit units that go into a pool of money that can be used to pay for expenses not covered by your basic ACA plan. Although provisions vary between states, a typical plan will pay up to 100% of hospital bills and 50% of surgical bills after the basic ACA plan pays benefits. Total amount payable is limited to the total pool of money that is available under the policy.
We ONLY offer alternatives that are suitable for you and for which we feel meet YOUR needs.
When or if we feel a product or service is not appropriate for you from either a cost or benefit point of view we will tell you so.
We’re fully compliant with privacy and security guidelines, have signed all required privacy and security agreements, have developed a privacy and security policy, and take extraordinary steps to safeguard your protected health and personal information.
In short, we’re experts in all aspects of health and life insurance and also have relationships with professionals who can help you with very specialized situations.