Skip to main content

MEDlink® Gap Insurance


Founded in 1945, American Public Life Insurance Company (APL) is a leading provider of voluntary worksite benefits. With sales through independent brokers, APL is changing employee benefits by providing a fully-customizable suite of products to meet the specific needs of groups. With offices in Jackson, Mississippi and Oklahoma City, Oklahoma, APL is licensed to conduct business in 49 states and has a financial rating of A+ (Superior)* through AM Best ( For more information, please visit

*www.ambest/consumers (05/18/21)(A+ is 2 out of 16 with 1 being the highest)

How it helps


  • Guarantee issue is available.*
  • Outpatient benefits up to 100% of inpatient.
  • Combined or separate benefit buckets.

Your Employees

  • ID card - benefits can be easily assigned to provider.
  • No pre-existing condition limitations.
  • Helps pay out-of-pocket medical expenses.

Available Products

Learn more

Find out more about how American Public Life's MEDlink® Gap insurance can help you and your employees.

*Guarantee issue is subject to the group meeting participation requirements, benefit amount limits and applying during initial enrollment. Initial enrollment means the first time you and/or your eligible dependents are offered coverage. Guarantee issue is not available for late enrollees.

Limited Benefit Insurance Policy
Underwritten by American Public Life Insurance Company. This product may have limitations and exclusions, all benefits may not be available in all states, does not replace Workers' Compensation Insurance and is inappropriate for people who are eligible for Medicaid coverage. A hospital is not an institution, or part thereof, used as a place for rehabilitation, a place for rest or for the aged, a nursing or convalescent home, a long-term nursing unit or geriatrics ward, or an extended care facility for the care of convalescent, rehabilitative or ambulatory patients.


Learn more

Legal disclaimer

The information provided on this site has been developed by, Inc. and the carriers for general informational and educational purposes. Benefitfocus strives to ensure that this information is up-to-date and accurate.

Certain products available in the Benefit Catalog may be regulated through various state agencies as insurance products. Regulated insurance products are offered through brokers affiliated with, Inc and/or BenefitStore or through your association's, or your employer's appointed broker as applicable. Please contact your broker for more information.