Generally, expenses related to the treatment of mental or nervous disorders and the expenses related to treatment of alcoholism, drug addiction, or complications thereof are not covered by most GAP plans. It can be covered by carriers or can be covered by optional rider by some carriers. This is not a complete list of exclusions under the GAP plan. For a full list of exclusions, terms and conditions, you should refer to your certificate of insurance.

No.

If an employee has already met their deductible with an existing GAP plan or their major medical plan, they will stay have to pay a deductible if it is a new GAP plan. The deductible on a GAP plan will start on the effective date of the GAP plan the first year. After the first year, it will reset as a calendar year deductible.

These frequently asked questions are provided as a service to answer our most commonly asked questions. Should you have further questions, please review the GAP plan brochure provided by the insurance carrier. The information contained in the insurance company brochure is a direct representation of the coverage provided by the carrier. This document is not intended to be an exhaustive discussion of medical GAP insurance.