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Are you wondering, “What is gap health insurance?”

You may know a deductible is the amount you pay out of your own picket for covered health care services before your insurance plan starts to pay. And, deductibles are on the rise. In fact, the average employee deductible increased 67% from 2010 to 2015 and four in 10 adults with health insurance say they have difficulty affording their deductible. What about you? Do you have cash or savings to pay for deductibles, co-pays and coinsurance? Or, would you prefer to use your savings for retirement, college tuition, or even a well-deserved vacation?


Gap health insurance may cover many out-of-pocket expenses not paid by your major medical insurance such as deductibles, co-pays and coinsurance. That’s right! For many medical expenses a gap plan may cover some, or even all, of the amount not paid by your major medical insurance. A gap plan works with your medical plan to help reduce your out-of-pocket expenses for treatment of accidents and sicknesses that can happen to any of us, at any time. So why wouldn’t you buy gap health insurance? It’s easy! Simply sign up through your employer or contact Norgard Insurance Group to assist you with signing up for gap insurance.