Health Insurance Gap Coverage:
Bridge the Space Between
Your Deductible and Coverage
High-deductible health plans save money on premiums - but leave you exposed to thousands in out-of-pocket costs before coverage kicks in. Gap coverage fills that space, paying cash benefits to cover your deductible when you need medical care.
Call 877-PATRIOTUnderstanding Your HDHP Exposure
You pay 100% of costs up to this amount
Your maximum exposure in a single year
Typical deductible for employer-sponsored HDHPs
Gap coverage pays benefits when you incur medical expenses - helping you cover your deductible without depleting your savings. It's designed to work alongside your HDHP and HSA, providing immediate protection while your HSA balance grows.
Gap Coverage Questions
What is health insurance gap coverage?
Health insurance gap coverage (also called gap insurance or deductible gap insurance) is a supplemental product designed specifically for people with high-deductible health plans (HDHPs). It pays benefits to cover the gap between your HDHP deductible and your out-of-pocket maximum - the range where you're most financially exposed. When you have a medical event, gap coverage pays cash to help cover your deductible costs.
Who needs health insurance gap coverage?
Gap coverage is most valuable for people with high-deductible health plans (HDHPs) - typically plans with deductibles of $1,500 or more for individuals or $3,000 or more for families. If you have an HDHP and don't have sufficient savings to cover your deductible, gap coverage provides a financial safety net. It's particularly valuable for families, where a single medical event could trigger the full family deductible.
How does gap coverage work with an HSA?
Gap coverage works alongside a Health Savings Account (HSA). Your HSA accumulates tax-free savings to cover deductible expenses. Gap coverage provides immediate protection before your HSA has accumulated sufficient funds. Many people use gap coverage in the early years of an HDHP/HSA strategy while their HSA balance is building up, then reduce or eliminate gap coverage once their HSA has grown to cover their full deductible.
Fill the Gap in Your HDHP
Don't let your deductible be a financial crisis. Gap coverage provides affordable protection. Call for a free analysis.