Facebook Pixel

New Era PALIC GAP

State Availability

AL AR AZ IA IL KS LA MI MO MS NE NM NV OH OK OR PA SC TX WI

Plan Information

Current as of 05/04/2020

Philadelphia American Life Insurance Company’s (PALIC) GAP plan helps bridge gaps in coverage that may exist in an individual’s current insurance plan by reducing or even eliminating the out-of- pocket expenses associated hospitals and doctor bills. Benefits are based on a fixed dollar amount that you select for the purpose of paying deductibles and co-insurance amounts as well as Emergency Room and Urgent Care Center visits, that beneficiaries or covered family members are required to pay under their Primary Medical Insurance.

Fixed Indemnity Benefits:

Inpatient Hospital Confinement: 1 Unit-6 – Units of $1,000

Outpatient Surgical Services: 1 Unit-6 Units of $500

Emergency Department Indemnity: 1 Unit-6 Units of $100

Urgent Care Center Indemnity: 1 Unit-6 – Units $100

The beneficiary can choose an annual calendar benefit starting as low as $1000 or a maximum benefit of $6,000. Since the GAP plan is based on a fixed benefit the individual will receive the benefit that they   have selected regardless of the expenses that are incurred.

In addition to the in-hospital benefit paid, the individual will still have additional annual benefits to help offset their costs for Urgent Care, Emergency Room and Outpatient Surgery.

Quick Links