Like many people today, you may now be responsible for paying some of your healthcare costs. Even with

your Blue Cross Blue Shield insurance, you may have certain expenses that are not covered. For example,

you may need to meet a deductible before your Blue Cross Blue Shield insurance pays.

 

Supplemental Medical (Gap) insurance with MedPlus covers certain out-of- pocket medical expenses you

incur in inpatient and outpatient settings, with your providers and at the pharmacy. The amount of GAP

coverage depends on the plan option selected.

 

GAP Program

Covers 100% of approved “in-network” services after plan deductible.

*Keep in mind that the GAP program does not cover the office visits and pharmacy copays. Outline on page 7 of this summary.

 

Both the base and buyup plan incorporate the use of Gulf Guaranty benefits. 

Base plan: Gulf Guaranty covers the in-market benefits between $3000 and $7850 (employee) $4850 - $15,700 (Family). 

Buyup plan Gulf Guaranty covers the in-market benefits between $500 and $7850  (employee)  $1,000 - $15,700 (family) 

 

 

How does the Supplemental Medical (GAP) Insurance work?

1. Enroll in a BCBS medical plan paired with a supplemental (GAP) Plan.

2. You will receive an ID card from MedPlus

3. If you receive services, you may assign your benefits to the provider

4. Your provider will submit claim to MedPlus on your behalf

5. BCBS will send you an explanation of benefits showing your out-of-pocket expense

6. You (or your provider) will submit your explanation of benefits to MedPlus

7. MedPlus will send payment to your provider if benefits were assigned or to you

 

What you need to know info:

Your medical plan combines the benefits of the Blue Cross/Blue Shield Bronze program with those of the

supplemental MedPlus benefits administered by Gulf Guaranty.

• Two card program-both the BCBS card and the MedPlus card must be presented to the

provider/facility and pharmacy at the time of service.

• MedPlus will cover approved in-network claims up to $7,850 for an individual $15,700 per family

subject to your selected annual deductible based on the option selected.

• BCBS will cover all approved claims once the MedPlus benefits are exhausted.

• The provider/facility/pharmacy must file claims with both BCBS and MedPlus to have benefits

applied properly

 

Our client support team stands ready to assist if needed. They can be contacted in the following manner.

Email: clientsupportABC@jhbrisk.com

Phone: 855 542-3779