Most major medical plans offer reasonably low co-pays for physician office visits, as well as some type of benefit for wellness/preventive care. In determining the most cost-effective GAP plan to offer to employees, from both a benefit and cost perspective, your employer would have taken this into consideration. There is an optional benefit that would allow limited coverage for Physician Office visit charges, but there is an additional premium associated with this benefit. If your employer purchased this benefit, office visits would be considered by your GAP insurance. This benefit is expensive, and some employers prefer to offer $0 Co-Pay Telemedicine as an alternative. Telemedicine is much less expensive, and it can lower utilization on the GAP insurance and the primary major medical insurance plan.
