APL Gap Insurance
Gap insurance can help offset many medical expenses you may incur before you meet your deductible and out-of-pocket maximum for the new plan year. For employees enrolled in Nova Southeastern University's group health insurance, this can be a useful tool to help you manage unexpected health care expenses.
NSU offers gap benefits through American Public Life (APL). Coverage is guaranteed issue, which means it cannot be denied due to medical conditions, and plans are designed to be affordable. However, you must first be enrolled in an NSU group health insurance plan to receive coverage.
Eligibility and Enrollment
NSU employees can elect gap benefits during open enrollment through the ICUBA web portal. To successfully enroll, you need to be simultaneously covered under ICUBA medical insurance and select the tier matching your elected plan (e.g., employee only, employee and child(ren), employee and spouse, or family).
Depending on your health care plan, gap insurance will be automatically paired with either the $3,000 or $5,000 medical deductible.
Note: Gap insurance is not available for employees in Hawaii, Puerto Rico, and the American territories.
APL Gap Coverage
Both inpatient and outpatient services are covered by APL gap insurance plans. Inpatient services include those provided during admittance to a hospital as an inpatient. Outpatient services may include emergency room visits, urgent care visits, outpatient surgery, and physical therapy, among others.
You may receive either $5,000 or $3,000 per inpatient occurrence based on your elected plan. For outpatient occurrences, you may receive up to $300 per calendar day per covered person.
2024-2025 Plan Summaries
Effective April 1, 2024, the following plans are available:
$3,000/$300 Plan - Monthly Premiums
- Employee Only: $36.37
- Employee + Spouse: $74.21
- Employee + Child(ren): $63.53
- Employee + Family: $92.76
$5,000/$500 Plan - Monthly Premiums
- Employee Only: $44.51
- Employee + Spouse: $90.81
- Employee + Child(ren): $77.77
- Employee + Family: $113.55
View Plan Summary (English) View Plan Summary (Spanish)
Filing a Claim
To ensure you claim your benefits, present your medical card and gap insurance card upon arrival for services at your provider. If you don’t have your card or the provider won’t accept it, you can file a claim online.
To file or track a claim, please visit ampublic.com for instructions.