Individual Metal Gap
Guarantee issue plan
Payments can be used to pay for your health plan's deductible, cost-sharing or for every day expenses
Cash payments when a covered critical illness or accident occurs
Metal Gap 2
Metal Gap 2: Economical, easy,
enrollment-friendly gap insurance
Even with an Obamacare health insurance plan, the financial impact of an accident or serious illness can strain your budget. Metal Gap 2 from The IHC Group provides cash payments, made directly to you, when a covered critical illness or accident occurs.
Because the payment is sent directly to you, it can be used to pay for your health plan’s deductible or other cost-sharing, or for every day expenses such as rent, a mortgage, a car payment or credit card bills. And just like your Obamacare plan, Metal Gap 2 is a guarantee issue plan, meaning you cannot be turned down for coverage based on your health history.
Metal Gap 2 is underwritten by Standard Security Life Insurance Company of NY (SSL), a member of The IHC Group. SSL is rated A- (Excellent) for financial strength by A.M. Best Company Inc., a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet policyholder obligations. (An A++ rating from A.M. Best is its highest rating.)
On-line quoting and policies offered by The IHC Group (Independence Holding Group)