A relatively new product in the health insurance world, GAP uses a secondary insurance card that you simply show to your doctor, specialist, lab, or provider every time you go. GAP reduces or eliminates your out-of-pocket expense during that visit and lowers your deductible every time. Best of all, if you’re hospitalized, GAP pays 100% of your deductible, leaving you with $0 in remaining expenses. GAP is accepted by any provider that accepts your primary insurance.