Gap Insurance Support

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

• Online
  1. Log in to your online account
  2. Click the File a Claim button
  3. Select Insurance Claim
  4. Upload the requested documentation and click the Upload File button
  5. Click the Next button and enter the remaining information 
  6. Check the acknowledgment box and click the Submit button
• AFmobile
  1. Touch the File a Claim button on the AFmobile dashboard
  2. Select the policy you are filing a claim and touch the Choose Files button
  3. Either snap a photo of your documentation and touch the Attach Documents button or upload it from your mobile device and hit Next
  4. Follow the prompts and fill out the required information
  5. Check the acknowledgment box and click on the Submit button
• Fax or Mail
  1. Download and complete a gap insurance claim form here. Please 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.

Claims are generally processed within 5-7 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 use 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.