What Does No Gap Mean In Health Insurance? 
`` Gap '' generally applies to a `` hole '' in coverage - in other words , the amount that the insurance does not cover . There is Gap coverage available for Medicare -LRB- Medicare Supplements and Medicare Advantage Plans -RRB- . For pre-65 health insurance , you can buy supplemental coverage such as Critical Illness and Accident plans . These are fairly inexpensive and pay cash directly to you if the specified accident or illness occurs . It 's your money to spend as you wish . You could pay your rent or mortgage while recovering , pay your deductible , go to Disneyland ... whatever you want ! 