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Supplemental Insurance plans called “Gap” plans are designed to cover the deductibles and co-insurance costs of a Health Insurance plan.  Couple of facts- 80% of claims processed by Health Insurance companies are for Accidents.  Conversely, 80% of the money paid out by insurers is for Critical Illness (Health Attack, Stroke, Cancer, etc).  This being the case, accident  and critical illness coverage are the solution.  As an example,  the best accident plan available cost $16.30/month per individual.  This plan has a $0 deductible and will pay you up to $10,000 yearly, which is more than current maximum out of pocket on qualified Affordable Care Act plans.  Contact us please to discuss this and additional Critical Illness and disability income coverage options.

Our Accident/Injury insurance expense Plans can literally save you thousands of dollars each year in unnecessary medical expenses due to a family member suffering an injury.

The plan will pay for any medical expenses not covered by your insurance plan, which are incurred due to an injury!

This includes:

  •     Deductibles
  •     Co-Pays
  •     Co-insurance %
  •     Annual out-of-pocket limits
  •     Chiropractic Treatment
  •     Dental Treatment

Request a Quote


Easily request a quote for Accident Expense Insurance by submitting your request online!


Click the request button below to be directed to our custom form. Complete the 5 fields and click submit and we'll reach out to you concerning your request.

Accident Expense Insurance:
GAP Coverage


The Number One Accident Expense Supplemental Insurance Policy in America! Accident Expense Insurance covers medical expenses (high deductibles & co-insurance) not paid by health insurance.


Ten Great Reasons to Buy GAP

  # 1 Fills Gaps in Health Coverage
Today's individual and group health plans have coverage gaps in the form  of high deductibles, copays and coinsurance. The Great American Plan is  an ideal complement to help supplement high deductible health plans.

  # 2 Benefits Paid Directly to Policyholder
Policyholders receive payment directly from the company. Insureds can use the benefits as they see fit- cover out of pocket costs associated with a health plan, pay expenses not covered by a health plan, make car or mortgage payments anything!

  # 3 No Coordination of Benefits
The Great American Plan benefits are paid regardless of other coverage. This benefits the policyholder as typically the claim filed against a medical plan will not be reduced by the benefits paid directly to the policyholder.

  # 4 Not an Association Group or Discount Plan
Accident coverage issued to associations usually requires the purchase of other services which the policyholder may not need. Also most group association plans are "excess" coverage and they only pay benefits when not covered by another plan. Group coverage is typically not "guaranteed renewable."


  # 5 Issue Age Rates
Rates are based on the issue age and do not increase with age. Best of all, rates are not subject to increases due to medical inflation. 


  # 6 Guaranteed Renewable for Life
Policyholders can continue coverage simply by paying the premium when due. The plan is guaranteed renewable for life --it does not terminate at age 65 and there are no benefit reductions.

  # 7 Simplified Underwriting
A short application and simplified underwriting make this plan very agent-friendly. The benefits selected determine the number of questions to answer. No exams or medical record requests.


  # 8 Flexibility to Match Client Needs
Unlike many plans, benefit selection is entirely flexible. All insured individuals must have base accident coverage, but coverage amounts can vary. Optional benefits are " spouse, children) and the amount of coverage can also vary by family member.


  # 9 Can Be Used with HSA-Qualified Plans
Health Savings Account regulations allow supplemental coverage for accidents. a specified disease or illness, and insurance paying a fixed amount per day (or other period) of hospitalization. Consumers should consult a tax advisor about tax issues.


  # 10 Portable Coverage

Changing individual or group health plans will not interrupt an insured's coverage with the Great American Plan. Many times money can be saved or benefits increased by replacing the accident rider on an existing health plan.

​Galyon Insurance