Protection from costly insurance gaps
When you need to receive medical care, out-of-pocket costs can be painful. Even with comprehensive medical insurance, you might face gaps that could lead to substantial out of pocket medical expenses.
Most medical plans have deductibles, co-insurance, and other first dollar expenses that you are required to pay before the plan provides benefits. These incremental costs can add up and may keep you from seeking care when you need it. CoreAssist+ works by ‘integrating’ with the primary health insurance plan, providing coverage for expenses your primary plan does not cover.
What's covered with CoreAssist+?
Covered events (may vary based on employer selection):
- Inpatient services
- Outpatient services
- Office visits
- Ambulance
- Hospital confinement
- Prescriptions
- Diagnostics
- ER and urgent care visits
How the benefit works
Due to rising healthcare costs, Dawn’s employer increased the medical plan deductible from $1,000 to $5,000 but added the CoreAssist+ benefit, providing $4,000 in coverage to help offset higher out-of-pocket expenses.
Coverage features
Financial back-up
Guards against the potential financial gaps created by deductibles and co-pays.
Direct payment
Pays benefit directly to your designated medical provider.
Easy to use
Payments are not reduced by or coordinated with any other policies, including major medical coverage.
Commonly Asked Questions About Supplemental Medical Insurance
What is supplemental medical insurance?
Supplemental medical insurance (also called GAP insurance) is a benefit that can help reduce out-of-pocket medical costs when you have a covered medical event. It is designed to work with your major medical insurance to help make healthcare more affordable. CoreAssist+ coverage is available through your employer.
Why might I need CoreAssist+ supplemental medical insurance if I already have health insurance?
Most major medical plans have deductibles, copays, co-insurance, and other first dollar expenses that you are responsible for paying. These costs can add up quickly. CoreAssist+ helps fill these insurance gaps and can lessen the financial pain of the healthcare experience.
What types of medical services may be covered?
Covered events may vary based on your employer’s plan selection, but can include services such as:
- Hospitalization, inpatient and outpatient services
- Emergency room and urgent care visits
- Ambulance services
- Office visits
- Diagnostic services
- Prescription expenses
Always refer to your plan documents for specific coverage details.
Does CoreAssist+ supplemental medical insurance replace my health insurance?
No. CoreAssist+ does not replace health insurance. It is a supplemental benefit that is only available when combined with a major medical plan.
Product underwritten by 5Star Life Insurance Company (a Lincoln, Nebraska company). Product not available in all states. Policy #:5SGAPPOL
Note: Supplemental Medical does NOT replace health insurance. It is only available if your employer/plan sponsor has a major medical plan in place. Covered events may vary based on employer selection.