APL - Gap Insurance
Gap insurance is not available for employees in Hawaii, Puerto Rico, and the American territories.
Gap insurance can help offset medical expenses you may incur before you meet your deductible and out-of-pocket maximum for the new plan year.
In order to enroll in Gap insurance during Open Enrollment, you must be simultaneously covered under an ICUBA medical insurance plan at NSU and have the same tiers as the NSU medical insurance plans - employee only, employee+child(ren), employee+spouse, and family.
Note: the APL coverage amount is PER OCCURRENCE
To file or track a claim, please visit ampublic.com and click here for instructions.
APL Gap Plans
- $2,500 In Hospital, $200 Outpatient Summary (English)
- $2,500 In Hospital, $200 Outpatient Summary (Spanish)
- $4,000 In Hospital, $200 Outpatient Summary (English)
- $4,000 In Hospital, $200 Outpatient Summary (Spanish)
For more information contact Joe Evans at 954-560-6000 or by email at Joe@flinsurance.org
2023 GAP Premiums
APL GAP Insurance for Premier and Preferred PPO Plans |
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| Tier | Monthly | Bi-weekly |
| Employee Only | $33.71 | $16.90 |
| Employee + Spouse | $68.81 | $34.41 |
| Employee + Child(ren) | $58.97 | $29.46 |
| Employee + Family | $86.08 | $43.04 |
APL GAP Insurance for $4K/$8K PPO Plan |
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| Tier | Monthly | Bi-weekly |
| Employee Only | $43.02 | $21.51 |
| Employee + Spouse | $87.78 | $43.89 |
| Employee + Child(ren) | $75.26 | $37.63 |
| Employee + Family | $109.84 | $54.92 |