Good insurance still leaves a gap. This closes it.

Your Safety Net for Life’s Biggest Medical Bills

Even with good health insurance, an ER visit, an outpatient procedure, or a hospital stay can leave you with thousands in out-of-pocket costs. GAP insurance helps close that gap.

  • Have a deductible you could not cover tomorrow if you had to?
  • One ER visit away from a bill you never budgeted for?
  • Solid coverage, but still exposed to thousands out of pocket?

How Can We Help?

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How It Works

The Money Goes to You, Not the Hospital

GAP and supplemental plans pay cash benefits directly to you, not to the doctor and not to the hospital, to help cover what your primary plan doesn’t. You can use the money for your deductible, coinsurance, or everyday expenses while you recover.

That distinction matters. Because the benefit is paid to you, nothing stops you from putting it toward a mortgage payment or groceries while you are out of work. It is one of the most effective tools we use to protect clients from unexpected financial exposure.

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Important

GAP and fixed indemnity plans are supplemental coverage. They are not major medical insurance and are not a substitute for a comprehensive health plan or minimum essential coverage. Benefit amounts and covered events vary by plan. We will walk you through exactly what a plan pays, and what it does not, before you enroll.

Who It Is For

Who GAP Insurance Is For

High-Deductible Plan Holders

You traded a lower premium for a bigger deductible. GAP covers the risk that trade created.

Families

A financial cushion so one hospital stay does not undo a year of careful saving.

Self-Employed

Protect your savings and your income when you cannot bill hours from a hospital bed.

Employers

A voluntary benefit employees genuinely value, often at little or no cost to the company.

What It Can Help Cover

The Bills That Arrive After the Emergency

The medical event is one problem. The statements that show up over the following weeks are another. This is what a GAP plan is built to absorb.

  • Hospital admissions and stays
  • Emergency room visits
  • Outpatient surgery and procedures
  • Deductibles and coinsurance your main plan leaves to you
  • Everyday expenses while you are out of work recovering
  • Whatever you decide, since the benefit is paid in cash to you
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Works Alongside

GAP Is One Layer, Not the Whole Plan

It is designed to sit on top of comprehensive coverage. If you are still choosing a primary plan, our private market options are the place to start.

Supplemental Coverage

Accident and critical illness plans that work the same way GAP does.

Health Insurance

GAP sits on top of a real medical plan. Start here if you need one.

Group Health Benefits

Offering GAP as a voluntary benefit to your team.

Common Questions

GAP Insurance FAQs

GAP insurance is supplemental coverage that pays cash benefits directly to you to help with out-of-pocket medical costs like deductibles, ER visits, and hospital stays. It works alongside your main health plan.

No. GAP and fixed indemnity plans are supplemental coverage, not major medical. They help cover costs your primary plan leaves to you, but they are not a replacement for a comprehensive health plan.

It’s especially useful if you have a high-deductible plan and want to limit your financial exposure from a large medical bill. We’ll help you decide if it fits your situation.

Yes. GAP and other supplemental plans are popular voluntary benefits that add value to an employee package at little or no cost to the employer. See our group benefits page.

No. GAP and fixed indemnity plans are not minimum essential coverage and do not replace a comprehensive medical plan. They are meant to be paired with one, not used instead of one.

It is typically one of the least expensive things we add to a plan, especially measured against the deductible it protects. The exact premium depends on the benefit amounts you choose, your age, and who is covered. We will quote it precisely rather than guess.
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Get Started

Add a Financial Safety Net

Find out how affordable GAP coverage can protect your savings. Free, no-obligation review.

Talk to a licensed broker

(813) 923-3133

info@rjhealthpartners.com
Tampa Bay and across Florida