Gap Insurance Support

The fastest way to file a gap insurance claim is through your online account or our mobile app, AFmobile^®.

• Online or AFmobile
  1. Log in to your online account or open your AFmobile app.
  2. Click the File a Claim button.
  3. Select the type of claim you would like to file.
  4. Follow the prompts to provide claim details and required documentation.
  5. Check the acknowledgment box and click the Submit button.
• Fax or Mail
  1. Download and complete a gap insurance claim form here.
     Note: Paper claim filing is not the fastest option. 

You can download and print a paper claim form here. Please note, paper claim filing is not the fastest option. File a claim online or through AFmobile to get your money faster.

TIP: When completing a paper claim form, please submit a separate form for each unique diagnosis.

When filing a gap insurance claim, you will need to provide the following documentation:

• Statement of Insured, completed via online claim filing or paper claim form
• Itemized Bills with diagnosis from each of your providers with a complete breakdown of charges for each date of service
• Explanation of Benefits (EOB) from your primary medical insurance carrier

We may also need:

• Authorization to Disclose Information Including PHI: This form gives us authorization to get records from your medical provider(s) and others who may hold information necessary for us to review your claim. Upload the form via your online account, mail it in, or fax it.

TIP: When filing a claim, be specific about the diagnosis or condition that caused you to seek treatment. Simply putting "accident" or "illness" is too broad. Providing specifics will help avoid potential processing delays.

Claims are generally processed within seven business days after all required documentation is submitted.

The fastest way to check the status of a claim is through your online account, or on our mobile app, AFmobile^®.

• Online
  1. Log in to your online account
  2. Click on the Claims tab
• AFmobile
  1. From the AFmobile dashboard, scroll down to Insurance Claims
  2. Once a claim has been processed, find the status of the claim under the insurance policy name

This benefit provides payments for Inpatient Hospital treatment, defined as hospital confinement for 18 consecutive hours or more and charges for room and board facilities. This benefit can be used to cover out-of-pocket costs that result from plan deductibles, copayments, and co-insurance not covered by your health insurance plan.

This benefit provides payments for outpatient treatment that can be used to cover out-of-pocket costs that result from plan deductibles, copayments, and co-insurance not covered by your health insurance plan. The outpatient benefit covers:

• Outpatient ER Visits
• Diagnostic Testing
• Outpatient Surgery

You may receive this benefit for visiting a physician’s office, with a maximum of five visits per family per calendar year.

The plan selected will determine the occurrence maximum. Log in to your online account to view your policy details.

Yes. You (the insured) and your dependents must be covered by your employer’s group major medical or comprehensive medical policy. Coverage will not be extended to medical plans that include TRICARE, Medicaid, Health Savings Accounts (HSA), or Health Reimbursement Accounts (HRA).

No. Eligible employees and dependents must be covered under the insured's employer’s major medical or comprehensive medical policy.

Pre-existing conditions will not be covered for the first 12 months unless state deviations apply. Log in to your online account to view your policy details.

Any expense for which benefits are not payable under the covered person’s medical plan are excluded under this plan.