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Gap Insurance

Do you have a high-deductible medical plan? Our group gap insurance may help pay out-of-pocket medical expenses such as deductibles, co-insurance or co-payments.

Help with Rising Deductibles 


Is your high-deductible major medical plan causing a strain on your finances? Many families are feeling the effects of ever-increasing deductibles and co-insurance.


Our gap insurance may help relieve some of the financial worry by helping to cover some of the out-of-pocket expenses that are not covered by your major medical insurance. Benefits can be paid directly to you or assigned to a chosen hospital, treatment facility or physician.


Coverage may include:

  • Inpatient benefits
  • Outpatient benefits
  • Ambulance
  • Physical Therapy


Supplement your major medical insurance with added protection to help your peace of mind. 


The information contained on this product page generally highlights the important features of the particular product listed and does not constitute a statement of contract, nor a complete description of the conditions, benefits, limitations, exclusions and other terms of coverage. The product listed and/or all benefits may not be available in all states and coverage is subject to all applicable policy provisions as authorized by the proper state regulatory authorities. For complete information, please consult the product brochure for your state or contact APL. This product is inappropriate for people who are eligible for Medicaid coverage.

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A typical family of four will spend $24,671 per year on medical costs.* Help offset those expenses with our Hospital Indemnity plan.

*2015 Milliman's Medical Index, May 2015

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