It's rare to find a broker these days who hasn't heard of gap products. Gap plans, designed to supplement high-deductible medical plans, have become standard in the benefits industry. Yet, gap plans continue to be somewhat controversial and often misunderstood.

Merriam-Webster provides one definition of gap as a "hole or space where something is missing." A medical plan with a high deductible creates a "gap" between what the medical carrier pays and what the insured has to pay out of pocket. And supplemental medical gap plans aim to fill that space.

Complete your profile to continue reading and get FREE access to BenefitsPRO, part of your ALM digital membership.

  • Critical BenefitsPRO information including cutting edge post-reform success strategies, access to educational webcasts and videos, resources from industry leaders, and informative Newsletters.
  • Exclusive discounts on ALM, BenefitsPRO magazine and events
  • Access to other award-winning ALM websites including and

© 2024 ALM Global, LLC, All Rights Reserved. Request academic re-use from All other uses, submit a request to [email protected]. For more information visit Asset & Logo Licensing.