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What is GapAssist insurance?

GapAssist is a product that combines accident, critical illness and inpatient hospital coverage, to help employees with unexpected medical costs such as deductibles, coinsurance or co-pays.

Coverage may be offered to employees, their spouse and dependent children, with tiered premiums based on who is enrolled.

Who should consider it?

With higher-deductible plans becoming more common, employees are more likely to experience coverage gaps, and face significant out-of-pocket costs. Two thirds of those with medical bill problems say they resulted from a one-time or short-term medical event.1 By offering these plans, employers make it easier for employees to prepare for the unexpected.

  • Key benefits

    Key benefits

    • Guarantee issue – no medical history required
    • No pre-existing limitations for hospital and accident coverage
    • Critical illness coverage benefits are paid regardless of any other coverage and can be used for anything
    • Inpatient hospital coverage includes stays in a hospital, ICU, substance abuse facility, mental health or nursing facility
  • Additional features

    Additional features

    Three plan designs — Base, Classic and Premier — offer the same core coverage, with varying benefit amounts. Employers can offer any or all three plans.

  • Application process

    Proposal request

    For information or to request a proposal for a Voluntary GapAssist policy underwritten by Symetra, please contact your Mosaic Group representative. Coverage may be offered on a Guarantee Issue basis with minimum participation requirements.2

  1. Kaiser Family Foundation/New York Times Medical Bills Survey (conducted Aug. 28-Sept. 28, 2015).
  2. Subject to underwriting.

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Chris Stephenson

Chris Stephenson

Account Executive

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Angie White

Angie White

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Courtney Sexton

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Liz Hoidahl

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Ashley Nason

Ashley Nason

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Sherrie Parrish

Sherrie Young

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Michele Gregory

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Ken Schoonhagen

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