Enrollment in the GAP plan follows those guidelines established for enrollment in your group major medical plan. If you do not elect to enroll in the GAP plan when it is first made available to you, you will not be able to enroll in it until the next allowable period of open enrollment, unless you qualify by law as a “special enrollee” due to certain qualifying events. Whether or not, or for how long, you might be paying for coverage that might not be available in this situation, is dependent upon what point in the calendar year you met your deductible and coinsurance maximum and when the next period of open enrollment comes around.
