Skip to main content

Hospital GAP PLAN® Insurance

Hospital GAP PLAN® Insurance

Help Your Employees with Hospital Bills

Reimbursement accounts aren’t the only way to help employees pay for out-of-pocket medical expenses. Many employers are seeking alternative ways to help their employees, especially for incidents like unexpected hospital stays.

AF Limited Benefit Hospital GAP PLAN® Insurance is customized for your organization’s medical deductible and assists with hospital expenses not covered by the medical plan. Benefits are paid directly to your employees so they can use the funds to pay for what's needed at their discretion.

Example Benefits of Gap Insurance


Inpatient Benefit

Covers hospital stay, surgery, physician expenses, and lab expenses from an inpatient stay.

Outpatient Benefit

Covers treatment in a hospital emergency room, outpatient surgery, treatment in a hospital, free-standing outpatient surgery center, and outpatient diagnostic testing.

Physician’s Office Benefit

This benefit provides a reimbursement amount for up to five physician visits.

Focused on Employee Education

Unless your employees understand the impact an unexpected hospital stay can have on their finances, they may not realize the importance of purchasing gap insurance. During your annual enrollment, our career account managers can evaluate your organization’s medical deductible and each individual’s financial needs to make a customized recommendation. Our goal is to help ensure your employees elect the right amount of coverage for their unique financial needs.

Learn More about Our Communication and Education Strategy 


Support for Employees

We provide many resources for employees who have American Fidelity's Hospital GAP PLAN® insurance. We’re here to help.

Learn How to File a Gap Insurance Claim 

Other Products That Can Help with Deductibles

American Fidelity Assurance Company