Supplemental Insurance (GAP) Services

At AZ Senior Connections, we offer Supplemental Insurance, also known as GAP insurance, to help cover unexpected medical costs. This type of insurance fills in the gaps that regular health insurance might not cover, especially important for seniors here in Arizona Valley. 

What is Supplemental Insurance (GAP)?

Supplemental Insurance helps with costs that your main health insurance doesn’t cover. This includes things like co-pays, deductibles, and coinsurance. It’s a great way to prevent big bills from unexpected health issues. 

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Benefits of Supplemental Insurance

Covers Extra Costs:

Helps pay for things that Medicare or private insurance might miss.

Financial Security:

Gives you peace of mind by reducing how much you might owe during a health issue.

Choose What’s Covered:

You can pick plans that cover just what you need, from hospital stays to special treatments.

Why You Might Need Supplemental Insurance 

Healthcare can get expensive, and even good insurance might not cover everything. Supplemental insurance is like a safety net that helps keep you from having to pay big out-of-pocket expenses if something unexpected happens. This is important for seniors who might have more health issues. 

How Supplemental Insurance Works 

This insurance works alongside your main health plan. It helps cover costs that your primary insurance doesn't fully pay. You can get payments sent directly to you or to your healthcare providers, which makes managing health costs easier. 

How to Pick the Right Supplemental Insurance 

To choose the best plan, you need to look at what your current insurance doesn’t cover. We help you understand different supplemental insurance plans and find one that fits well with what you already have. 

Types of Supplemental Insurance Plans 

Critical Illness Insurance:

Pays a cash amount if you get diagnosed with a serious illness listed in the plan.

Accident Insurance:

Helps cover costs if you get hurt in an accident.

Hospital Indemnity Insurance:

Gives you a set amount of money if you're hospitalized.

Adding Supplemental Insurance to Your Health Plan

Adding this insurance to your current plan should be done carefully. We guide you on combining your coverage options to make sure you get the most benefit and keep your costs reasonable. 

Steps to Think About Supplemental Insurance

  • Review Your Health Plan:

Understand what your plan covers and where it lacks.


  • Think About Your Health Risks:

Consider your past health issues and what you might face in the future. 


  • Talk to Us:

Discuss your options with us to see if supplemental insurance is a good choice for you. 

Top Questions You Might Have

See some common questions and answers below, or Contact Us!

  • What does supplemental insurance cover?

    Supplemental insurance typically covers costs not paid by your primary insurance, like co-pays, deductibles, and certain treatments and procedures not covered by your main plan. 

  • Is supplemental insurance worth it for seniors?

    For many seniors, yes. It helps manage the high costs of healthcare as you age, covering expenses that Medicare may not, which can be financially relieving. 

  • How do I claim benefits from my supplemental insurance?

    Claims processes vary by insurer, but generally, you'll submit a claim form along with any receipts or bills to your supplemental insurance provider. They will review the claim and pay out benefits directly to you or your healthcare provider. 

  • Can supplemental insurance be used with any health plan?

    Yes, supplemental insurance plans are designed to work alongside most health insurance plans, including Medicare, to fill coverage gaps. 

  • Do I still need supplemental insurance if I have Medicare?

    While Medicare covers many healthcare needs, it often does not cover all expenses, such as certain surgeries, long-term care, or international travel emergencies. Supplemental insurance can cover these and other costs. 

  • What happens if I don't use my supplemental insurance?

    Like other insurance, if you don't use it, the benefits are not refunded. However, having it provides peace of mind knowing you're protected from unexpected medical costs. 

Need More Help Understanding Supplemental Insurance (GAP)? 

Supplemental insurance details can be intricate, but our guidance makes understanding GAP coverage straightforward. We'll help you navigate your options and secure the necessary extra protection.

Protect Yourself with Supplemental Insurance

Don’t wait for a big medical bill to surprise you. Supplemental insurance can help you handle health care costs confidently. Start by finding out how this insurance can add to your existing coverage and keep you financially secure. 

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Enhance Your Coverage with Supplemental Insurance!