Hospital Confinement Protection Plan
Benefits that really pay... fast.
What is Gap Express?
A Limited Benefit plan, designed to help cover the out-of-pocket cost and fill a growing need in today’s turbulent healthcare marketplace. High deductible plans — designed to keep premiums lower but with higher out-of-pocket costs for employees — have been steadily on the rise.
In 2006, four percent of employees enrolled in a major medical plan were using the High deductible health plan option. In 2016, that figure ballooned to over 30%.*
Patients with high-deductible policies are facing higher out-of-pocket costs, which rose 230 percent from 2006-2015. Out-of-pocket medical expenses have increased nearly 10 percent in 2014-15 while workers’ wages increased just under two percent. For the foreseeable future, high-deductble health plans are a fixture in the marketplace. Fortunately, there are plans that may help reduce out-of-pocket expenses.
The Gap Express is designed with out-of-pocket costs in mind. There are:
- No deductibles;
- No network restrictions;
- Benefits pay directly to you (unless you assign to a provider); and
- Benefits pay in addition to any other benefits.
Guarantee Issue is available under certain guidelines.
*All statistics cited are from the Kaiser Family Foundation “2016 Employer Health Benefits Survey.”