What is Medical Gap insurance?

Medical Gap insurance is used to fill coverage gaps and help employees with out-of-pocket costs from co-pays, coinsurance and deductibles, while providing opportunities for employers to reduce overall premiums.

A customized Select Benefit gap plan is a great complement to a self-funded or fully insured high-deductible plan.

Who should consider it?

Employees increasingly have to confront out-of-pocket expenses after a doctor visit or hospital stay. Using Select Benefits as a gap plan in conjunction with a high-deductible plan can help keep those expenses from adding up and becoming overwhelming.

  • Key benefits

    Key benefits

    • No preexisting condition limitations
    • No required networks
    • No co-pays or deductibles for covered services
    • Claims are paid regardless of other coverage
    • Dependable administration and efficient claims processing
  • Additional features

    Additional features

    Employers can choose a range of benefits to include in their Select Benefits suite, including office visits, diagnostic tests, hospital stays, prescriptions and telehealth services.

  • Application process

    Application process

    For information or to request a proposal for a Medical Gap insurance policy underwritten by Symetra, please contact your Mosaic Group representative. Coverage may be offered to employees on a Guaranteed Issue basis with minimum participation requirements.1

  1. Subject to underwriting.