The overwhelming majority of claims are now paid by the GAP insurance provider directly to the medical care provider. In most instances the employee does not need to pay the bill and apply for reimbursement. There are still some medical care providers that do not accept GAP insurance, but they are rare now. Most providers, if they will file for insurance benefits from more than one carrier, should accept your GAP card reducing, if not eliminating, their requirement that you pay for services up front.
