GAP Insurance
The Premium Saver is an employer sponsored group supplemental insurance plan which is designed to help reduce the cost of group medical coverage. Combining the Premium Saver with certain major medical plans can deliver coverage groups want and can afford.
How GAP Plans Work
Sample:
Plan Comparison of a 14 Person Group
How This Sample Plan Works
Supplemental Plan Deductible and Coinsurance
Each insured person has a $500 annual deductible. After the deductible is met, the insured person pays 20% until they pay $900 coinsurance. This plan wraps around your high deductible health plan and pays the amount applied to your major medical plan’s Deductible, Coinsurance and Copayments until our payments reach the Maximum Benefit Amount.
Coverage
This plan covers all eligible expenses covered by your major medical plan except the professional fee of a physician in a doctor’s office or medical clinic and outpatient prescription drugs.
Maximum Benefit Amount
$3,600 is the maximum benefit amount payable for benefits described on this page during a benefit year for each Insured Person.
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Health Insurance Specialists, LLC
Address
PO BOX 410498
St Louis, MO 63141
Contact
Phone: 877-493-0883
Fax: 636-527-3816
mark@lampenhealthspecialists.com
About Health Insurance Specialists
Health Insurance Specialists is a full-service health brokerage agency based in St. Louis, Missouri that works with thousands of independent agents throughout the country to help them grow their health business. With over 30 years of experience in the health insurance industry, we have a passion for helping brokers come up with the most competitive options available for their clients.
Our flagship product for groups has been the use of GAP plans and also Level Funded plans to help control costs and the out-of-pocket expenses for employees and has put us on the map as the Premier Agency in the Midwest for these products.
