Supplemental Plans - Accident and Critical Illness
Every family has unique needs, many of which may not all be met with just traditional major medical insurance. At 360benefits we strive to help our clients find the best combination of plans to meet their specific needs. We have conducted an extensive market comparison considering overall benefit value compared to premium cost, carrier stability, reputation and network access. See below for our recommended options for the following types of plans:
- Adult Dental
- Pediatric Dental
- Adult Vision
- Accident and Critical Illness Coverage (Gap Plan)
- Short-Term Medical
- International / Travel Medical Coverage
- Discount plan including telehealth, identity theft protection, legal savings, pet care savings and more
Many medical plans have large deductibles and out-of-pocket maximums which could leave you responsible for significant out-of-pocket expenses. A Gap Plan is designed to complement your health plan in the event of a covered illness or accident by making a lump sum payment directly to you that can be used towards anything you choose, including:
*After the deductible, benefits are payable for covered medical expenses incurred as the result of a covered accident, up to the maximum amount, minus the deductible, or the actual expense you incur, whichever is less.
**Covered charges include hospital expenses, surgery fees, anesthesia, doctor visits, emergency care, x-ray and lab services, ambulance, prescriptions, and registered nurse expenses.
*** Critical Illnesses include: life-threatening cancer, heart attack, kidney failure, stroke, coma, coronary artery bypass, loss of sight, speech or hearing, major organ transplant, paralysis and severe burn.
Accident and critical illness coverage terminates at age 70. Hospital Confinement terminates at age 65.
This plan is not considered to be Minimal Essential Coverage as defined by the Patient Protection and Affordable Care Act (ACA). Enrolling in a Gap plan will not exempt you from the Shared Responsibility Payment (tax) that may apply if you do not have plan with ACA-compliant coverage.
The informationabove is a summary only. Please refer to the Certificate of Coverage for full details.