HOME PRODUCTS CONTACT US Gap Medical Insurance Get an instant quote to compare plan coverage, premium and out-of-pocket costs. GET A QUOTE Supplemental Metal Gap 2 insurance includes four plan levels to choose from with lump sum benefit levels ranging from $2,500 to $10,000 for covered medical expenses relating to accidental injury, critical illness, and accidental death and dismemberment. Lump sum benefits can be used for a range of expenses, including: Major Medical Costs Deductible Coinsurance Premium Lost Wages + Living Expenses Housing Transportation Food Childcare Other Health Treatment + Care Alternative treatments In-home caregiving Out-of-network specialists Metal Gap 2 Plan Features Enroll anytime Not subject to an open enrollment period. The lump sum benefit may be used however the insured wishes Accident, Critical Illness and AD+D benefits from $2,500 to $10,000. Available for ages 18 to 64 The primary applicant must be age 18 to 64 years old. Dependents under age 18 may be included under a primary applicant. Benefits terminate when a covered person reaches age 70. Child-only plans are not available. Critical illness benefits for Cancer Heart Attack Stroke Major organ transplant Coma Severe burn Kidney failure Others Additional Features Guaranteed issue Does not coordinate with other health plans Sample Policy Limitations + Exclusions Treatment that is not medically-necessary is not covered. Not all plans or combinations of benefits are available in all states. There is an extended list of healthcare services and charges that are excluded from coverage. Check the product brochure for a list of exclusions. Who May Want a Metal Gap 2 Insurance Policy? Anyone with a high deductible major medical plan, including an individual ACA plan and employer group benefits. Download the Metal Gap 2 brochure. Work With The IHC Group Want to be able to offer your clients IAIC insurance products? Fill out this short form or email start@ihcgroup.com to get started. First Name Last Name Email Address Phone Number ZIP Code SEND REQUEST Product Disclaimer These products are not qualifying health coverage (“Minimum Essential Coverage”) that satisfies the health coverage requirement of the Affordable Care Act. If you don’t have Minimum Essential Coverage, you may owe an additional payment with your taxes. The termination or loss of this policy does not entitle you to a special enrollment period to purchase a health benefit plan that qualifies as minimum essential coverage outside of an open enrollment period. These products may include a pre-existing condition exclusion provision. This page provides a very brief description of the important features of Metal Gap 2. Therefore, it is important that you READ THE POLICY CAREFULLY. For complete details, refer to the Accident Medical Expense and Accidental Death and Dismemberment Insurance Policy (IAIC ANC POL 0115 – varies by state) and the Critical Illness Indemnity Benefit Rider (IAIC ANC CIBR 0115 – varies by state). WHO WE ARE Independence American is licensed in all 50 states and its products include short-term medical, hospital indemnity, fixed indemnity limited benefit, group and individual dental, and pet insurance. PRODUCTS Connect Series Short-Term Medical Independence Dental Metal Gap 2 Independence Hospital Insurance Plus Independence Hospital Insurance Individual Vision + Hearing Insurance COMPANY Contact Us Terms & Conditions Privacy Policy HIPAA Privacy Notice California Privacy © Copyright 2021 Independence American Insurance Company, All Right Reserved. CN: 2019-0239