Let’s face it: as health insurance premiums have skyrocketed, most programs have shifted costs back to employees.
Solutions like HRA’s, HSA’s, FSA’s, and gap insurance have tried to reduce out-of-pocket expenses, but they often fall short. Enter Spectrum Gap—a fully insured benefit that slashes deductibles while keeping premiums low.
Traditional GAP products were broken:
- Confusing for employees to understand and use.
- Complicated claims filing process for providers.
- Plan designs misaligned with health insurance plans.
We Fixed It!
With Spectrum GAP, we leverage one of the top third-party administrators and one of the largest gap insurance carriers in the market to create a seamless solution that bundles health and gap insurance into one streamlined process.
- One card for employees to manage.
- One claims submission for providers.
- Claims are adjudicated by one TPA for both medical and gap.
Simplified. Streamlined. Superior. That’s Spectrum Gap