• A typical family of four will spend $12,214 on medical care this year, with $2,035 of that amount coming out of their own pockets.¹
• Out-of-pocket costs account for approximately one-fifth of health care expenditures and are increasing.²
• 27% of households filing bankruptcy had out-of-pocket medical bills exceeding $1,000.³
• For those whose illness led bankruptcy, the average out-of-pocket cost was $11,854.³
• Health insurance costs increased about 28% between 2001 and 2003⁴

Even if you have medical insurance, how will you manage to pay all the bills?

Typical health insurance covers the cost of most medical expenses incurred from hospital and doctor bills, but how will you prepare for the out-of-pocket expenses, such as:

• Deductibles
• Co-Payments
• Co-Insurance

American Fidelity's Hospital GAP PLAN® is designed to provide a low-cost benefit to help pay for out-of-pocket expenses while confined in the hospital or as an outpatient. We provide coverage to help "fill the gaps" left by most major medical policies with three benefits:

• In-Hospital Benefit
• OutPatient Benefit
• Physician Outpatient Treament

• Guaranteed Issue
• Several plans available to help fill gaps left by current medical benefits
• Outpatient benefits for emergency room treatment, diagnostic testing, and outpatient surgery up to a maximum outpatient benefit for conditions separated by 90 consecutive days
• Physician Benefits for outpatient treatment at an emergency room, physician's office or clinic

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The information contained on this product page generally highlights the important features of the particular American Fidelity product listed, and does not constitute a statement of contract, nor a complete description of the conditions, benefits, exclusions and other terms of coverage. The product listed and/or all benefits may not be available in all states and coverage is subject to all applicable policy provisions as authorized by the proper state regulatory authorities. For more complete information, please consult the terms of the product policy form approved in your state or contact us.