Gap Insurance Alternatives: How to Take Care of Your Client's Short Term Needs

Navigating health care costs during transitional periods can be daunting for individuals and families. For those seeking alternatives to gap insurance, solutions like Health Care Sharing Programs offer an innovative way to manage temporary needs without the constraints of traditional insurance. Here’s how OneShare Health can help bridge these gaps with affordable, flexible options.

What is Gap Insurance?

Gap insurance is designed to address the financial gaps often left by high-deductible health plans or during transitional periods, such as job changes or waiting periods for new health policies. It provides temporary relief but can come with limitations such as high premiums, restricted usage, and limited benefits. These shortcomings may leave clients seeking a more comprehensive, community-driven solution that better aligns with their values.

A Temporary Solution: Catastrophic365

For individuals looking for an affordable, faith-based alternative to traditional insurance, OneShare Health’s Catastrophic365 Program is a robust one-year solution tailored to meet temporary health care needs. With Monthly Contributions starting at just $50.99, Catastrophic365 offers peace of mind during transitional periods. This program is ideal for those in good health with minimal medical needs, providing affordability and flexibility. Key features include:

• Emergency Room Visits: Eligible expenses shared after a $500 Visit Fee, ensuring support during emergencies.
• Hospitalization and Surgery: Sharing of expenses after the Individual Sharing Amount (ISA) is met, offering reassurance during significant medical events.
• Virtual Urgent Care: Available 24/7 with no additional cost for Members, providing access to care for common conditions such as colds, allergies, and minor infections​​​​.

Why Consider Alternatives to Gap Insurance?

While gap insurance can serve a purpose, its limited benefits and high costs often make it inaccessible for many. Alternatives like the Catastrophic365 Program offer a solution tailored to transitional periods, combining affordability with the compassionate values of Health Care Sharing. By choosing OneShare Health, Members gain access to a nationwide network of providers and community support rooted in biblical principles.

Flexible Solutions for Your Clients

As a Producer, offering Catastrophic365 enables you to meet your clients’ temporary health care needs with a program that aligns with their budgets and values. With features such as emergency room visit sharing, 24/7 Virtual Urgent Care, and flexible contribution options, this Program is a dependable choice during life transitions​​.

Temporary Solutions with Permanent Impact

When your clients face transitional periods and need a reliable, faith-based approach to health care, OneShare Health’s Catastrophic365 Program is here to provide the support they deserve.

If your clients are seeking alternatives to gap insurance, OneShare Health’s Catastrophic365 Program provides an affordable, faith-based solution for temporary health care needs. Tailored to diverse lifestyles and budgets, this Program is designed to offer peace of mind during transitional periods while aligning with your clients' values.

Become a OneShare Health Producer today! Introduce your clients to Catastrophic365 and other flexible Programs that provide community-driven support. Encourage them to speak with a specialist to receive a personalized quote and find the right fit for their needs and budget.