Gap Insurance
We take an innovated marketing strategy approach to plan designs.
The Strategy is simple
At Link Enrollment Solutions we take an innovated marketing strategy approach to plan designs. For example, an option we can offer groups is the Premium Saver (i.e. GAP Insurance) which is a group supplemental insurance plan that helps reduce the cost of group medical coverage. The strategy is simple: Find an affordable High Deductible Major Medical Plan, then add our Premium Saver plan to fill the deductible and cost sharing holes. By doing so, employees maintain excellent health insurance coverage with very little out-of-pocket exposure while saving the company money.
Maintains Benefits
NO GAPS in coverage: The Premium Saver covers the same expenses as the underlying High Deductible Major Medical with the exception of charges for professional fees in a doctor’s office or for outpatient prescription drugs.
Custom Design
This plan allows the employer to choose the Premium Saver deductible that best achieves the group’s needs. With a variety of Premium Saver plans/GAP plans to choose from, we can explore and provide a proposal(s) that will allow a group to maintain excellent health insurance coverage for employees, all the while saving money for the employer.
Claims process is simple
The employee just hands their insurance card to the provider. The provider can file the claim electronically or manually. The Premium Saver pays off of the underlying major medical plan’s EOB and it pays directly to the provider. When the insured goes in-network they always receive the carrier’s in-network discounts.