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​Your major medical plan could leave you responsible for as much as $6600 or more out-of-pocket expenses in the case of a serious accident or illness. Gap insurance offers options to complement your health plan in the event of a covered illness or accident. Accident and critical illness benefits allow you to focus on your number one priority—getting better. Gap Insurance provides a lump sum payment for covered illnesses and accidents that is paid directly to you, and can be used for anything you choose, including: 

​• Out-of-pocket expenses 

• Prescriptions 

• Experimental procedures 

• Living expenses 

• Lost wages

Because you can use your lump sum benefit from a covered Gap Insurance claim in any way you see fit, it can even cover things like car or mortgage payments, or helping your children pay for their college tuition. 

Critical illnesses and serious accidents are frightening enough before they leave you with the financial fallout of reaching your deductible or medical treatments your major medical policy doesn’t cover.