Is hospital indemnity insurance the same as gap insurance?

No. Hospital indemnity insurance is designed to offer benefits per day spent receiving inpatient or outpatient treatment while gap insurance pays toward the deductible, co-insurance, or other out-of-pocket expenses related to inpatient confinement or treatment. Hospital indemnity insurance is compatible with an HSA but doesn’t coordinate with a major medical plan. Gap insurance coordinates with most major medical insurance plans, but not a High Deductible Health Plan (HDHP) or a Health Savings Account (HSA).