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Almost two-thirds of wage earners believe they have a 2% or less chance of being disabled for 3 months or more during their working career, but the actual odds for a worker entering the workforce today are about 25%.

 

Social Security Admin, Fact Sheet 2/7/2013
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Medical Gap – Inpatient or Inpatient & Outpatient (Combo)

The medical gap insurance coverage is available during open enrollment 11/15/18 - 1/31/19.

Rising Health Care Costs Got You Down? Don't fret, we'll show you how to save money on those out-of-pocket expenses!

With the cost of your FEHB program increasing, like an average of  6.4% in 2016, you're faced with a tradeoff: better coverage & higher premiums VS less coverage and lower premiums. Frustrating to say the least.

What you need now is a way to offset those costs.

FedAdvantage’s Medical Indemnity Insurance plan, available to all civilian federal employees, reduces your out-of-pocket costs (think deductibles, copays, and co-insurance) with a choice of either inpatient or in/out patient expenses. It's peace of mind protection for both you and your family.

 
There Are Two Plan Options:
 
 Plan APlan B
  CoverageInpatient OnlyInpatient & Outpatient
  Inpatient$5,000$5,000
  OutpatientN/A$2,500
  Combined Single LimitN/A$5,000

  • Works with all FEHB plans
  • Affordable
  • Payments made by our plan will be credited toward the inpatient deductibles and co-insurance limits of your health plan.
  • Payments made by our plan can be made to either you or your medical providers.
  • Everyone currently enrolled on your health plan, is eligible to enroll on this plan.
  • Guarantee issue – No medical questions are required.
  • Premiums do not increase with age.
  • The plan uses itemized bills and your health plan’s Explanation of Benefits (EOB) statement, as the basis for determining what is covered.
  • A great alternative to a Flexible Spending Account (FSA).

How it Works:
 
See examples for how Inpatient Medical Expense Insurance works.


 

Benefit Questions? Call 1-800-791-0936