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    Accident & health

    Supplemental medical

    Daniel McNeill

    Daniel McNeill

    Business Development

    Supplemental Medical Expense (gap) insurance helps people guard against the financial risks associated with paying out-of-pocket medical expenses. The benefit enables them to fill gaps and protect their income and assets. In addition, receiving direct reimbursement for medical expenses not only provides financial protection for employees and their families, but also peace of mind. (Note: Supplemental Medical does NOT replace health insurance.)

    Our Supplemental Medical Expense (out-of-pocket) is a gap protection product, which provides a benefit amount for certain out-of-pocket medical expenses (deductible, co-pays and co-insurance). The product works wells for groups with high-deductible plans.

    Key features include:

      • Flexible benefit options: Reimburses certain out-of-pocket expenses incurred during:
        • Inpatient hospitalization
        • Outpatient hospitalization in select settings:
          • Treatment in a hospital ER (not admitted).
          • Surgery and other surgical procedures in n outpatient hospital or surgery center, or in Physician's Office or Urgent Care facility (optional). 
          • Radiological diagnostic testing in an outpatient hospital or MRI facility, or in Physician's Office or Urgent Care facility (optional).
          • Chemotherapy/Radiation Therapy performed in a licensed facility (optional).
          • Inpatient hospitalization
        • Other benefit options available (ambulance transportation, physician office visits, and prescription drug benefits).
      • Plan designs: Offer a broad spectrum of benefit levels.
      • Eligibility: Coverage is available to groups with a minimum of 10 lives. The insured individual must work at least 20-30 hours per week.

    The product may be offered employer-funded, or employee-paid (voluntary), or a combination of the two. It is offered on a guarantee issue basis with no medical underwriting needed. Dependent coverage is available.

    For additional information please review our Supplemental Medical Expense summary.

    State Approval Status

    Click here to view our state approval status by product



    Benefits and range of options may vary by state. Premium will vary based on plan chosen.  A waiting period for late entrants may apply.  This policy is renewable at the option of the company.  The Supplemental Medical Expense (out-of-pocket) plan is not a major medical plan. The product is designed to reimburse certain covered expenses, and is only available if an employer has a major medical plan in place. Out-pocket expenses submitted for reimbursement must be eligible under the major medical plan, and must meet the coverage definitions under our policy (may not include full reimbursement, if annual plan limits have been met). Riders for outpatient services performed in a physician's office/urgent care, or for outpatient chemotherapy/radiation performed in a licensed facility, may not be available in all states.   Beazley includes the issuing company of Beazley Insurance Company, Inc., 30 Batterson Park Rd, Farmington, CT 06032.  Beazley is rated A by A.M. Best. Administrative services are provided by HealthPlan Services (HPS).

    Supplemental medical team

    Underwriters

    Anne Dowdle

    Head of Operations - US Accident & Health

    Anne Dowdle

    Minneapolis, MN, USA

    +1 952 656 7172

    Barry Johnson

    Business Development Manager (AIP)

    Barry Johnson

    Daniel McNeill

    Business Development

    Daniel McNeill

    Minneapolis, MN, USA

    +1 952 656 7182

    Jeff Morgan

    Business Development Manager (AIP)

    Jeff Morgan

    Atlanta, GA, USA

    +1 770 576 1546

    Tom Owen

    Underwriting - Accident & Health Insurance USA

    Tom Owen

    Minneapolis, MN, USA

    + 1 952 656 7176

    Jonathan Sheedy

    Business Development Executive

    Jonathan Sheedy

    Dallas, TX, USA

    +1 972 419 8011