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OptiMed Health Plans

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Robert D. Edelheit, OptiMed, and United Group Programs, Inc. Announces: OptiMed GAP Program

OptiMed GAP is specifically designed to help save direct health insurance premium costs by allowing employers greater freedom in selecting lower cost high deductible plans or plans with higher out of pocket coinsurance maximums.

Newtown, PA, May 15, 2013 --( OptiMed GAP Program

OptiMed GAP covers eligible expenses in relation to deductible and coinsurance for the underlying major medical plan.

Simply put, by plugging in OptiMed GAP, employers may be able to raise deductibles and out of pocket maximums to obtain lower cost coverage while still providing a quality benefit program.

GAP can help brokers and agents deliver a Creative Approach to Healthcare Savings and Cost Containment


Guaranteed issue
No pre-existing condition limitations
No health questions asked
First dollar benefit
Composite rating for groups of 25 or more
May be offered on a voluntary basis
May be written down to 5 lives in most states
Available in California for small groups of 5 or more
Electronic enrollment options available

What is the Employer Group Target Market?

Groups that:
1. Have a comprehensive major medical plan currently in place.
2. Have received a large and difficult renewal.
3. Can no longer afford escalating costs of their current health program.
4. Are looking to save but still offer a quality benefit program for their employees.

OptiMed GAP may be offered on a Voluntary Basis.

Please ask your Optimed group sales representative for additional information, including exclusions, limitations and state availability. This program is different and separate from our HSA compatible GAP program. Please note that under current IRS rules OptiMed Traditional GAP is not compatible with a Qualified Health Savings Account. Please ask your OptiMed Group Representative about our Limited Medical HSA Compatible GAP program for more information.

Please note: OptiMed GAP for California is a Group Supplemental Medical Insurance Plan.

Please contact an OptiMed group sales representative for more information including state availability.

OptiMed is trademarked and exclusively owned by United Group Programs, Inc.
Contact Information
OptiMed Health Plans
Robert D. Edelheit

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