EMI will now allow Gap coverage on their $7,000 deductible plan, without pre-approval, and without a rate impact.
As an FYI, Arizona Benefit Plans offers 2 Gap carriers: Morgan White, and SIS. Each product has their own strengths.
Morgan White offers a Gap that can include coinsurance limits, and composite rates, but requires all employees enrolling on the targeted medical plan enroll on the Gap plan (in other words, the employer must contribute to the cost of the plan).
SIS on the other hand does not offer a coinsurance benefit, and in certain situations is age rated, but can be offered on a voluntary basis. We can help guide you to the best Gap product for your client.