Phone 770-645-5989


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Authorized independent agent and licensed in GA 595707 and 153782, AL A221211, AR 394983, AZ 1028006, CA 0104295, FL P009487, IA 7081467, MO 8055643, MS 405036, NC 7081467, NJ 15260 12, NY LB-1177472, SC 380702, TN 930031, TX 1569264 and VA 614046.


Disclosure:  Coverages and availability vary by state.  Not all businesses and individuals qualify.  This does not constitute legal, tax or accounting advice or opinion.  Consult with an experienced and properly licensed professional regarding the specific suitability of any planning technique or benefit plan design.   


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GAP Plans

Gap insurance is intended to help cover the high out-of-pocket expenses normally associated with a low premium, high deductible health plan.


When you purchase a GAP policy, the additional benefits help to cover out-of-pocket expenses related to coinsurance, co-pays and deductibles for inpatient and outpatient services.  For example, if you have a $5,000 deductible on your major medical plan, gap coverage may pay up to $4,000 of that deductible.


Because the premiums are very reasonable on GAP policies, most employers find that purchasing the extra coverage along with a high deductible, low premium plan is much less than one stand alone lower deductible, major medical policy