Indemnify medical out-of-pocket risk
Regard is a technology-enabled insurance program administrator and wholesaler that partners with producers, employers, and benefits platforms.
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We’ve rebuilt Gap Insurance from the ground up

Ours is the only supplemental health insurance solution that can mirror any group medical plan’s out-of-pocket risk on a dollar-for-dollar basis. 

  • Reimburses deductible, coinsurance, copayment spend
  • Priced per dollar of coverage instead of per fixed limit
  • Allows any employer/employee funding combination
  • Adjudicates claims automatically

Curb health

Each dollar of Gap coverage offsets exactly one dollar of medical plan out-of-pocket costs, enabling employers to combine lower-cost medical with Gap coverage to reduce overall health premiums.


True indemnification means employees receive deductible, coinsurance, and copayment expenses refunded dollar for dollar, without having to worry about the usual “gaps “in their Gap coverage.

Delight employees with an automated claims experience
  • No documentation/emails/calls required
  • Claims processed online in seconds
  • Claimants can self-reimburse online
Frequent Questions

Other ancillary insurance products are designed to pay out fixed accident/illness stipends and have no direct relationship with an insured’s actual medical cost burden. Gap is the only insurance product to insure medical out-of-pocket cost exposure. 

While legacy Gap solutions reimburse some incurred deductible, coinsurance, and copayment expenses, they cannot mirror the risk profiles of different health plans. As a result, they are unable to indemnify out-of-pocket risk, which is what our Gap product is able to do. 

Traditionally, employers pay for Gap as part of their overall health cost reduction strategy. However, premium responsibility can be structured any which way, including as subsidized or fully voluntary coverage.  

Our comp is competitive with other Gap products. Send us a note to learn more.

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