YAP - Your Advantage Protector

‘Gap’ Product for Sickness or Accident


    Issue ages 18-64
    For: Individuals, Families or GROUPS (EFT or List Bill)
    No attestation required; (excluding DC, MT, NV, SC)
    Pays a fixed sum indemnity benefit for:
      • 1st day hospital admission fixed benefit, plus fixed daily hospital benefit and fixed benefit for surgery (Inpatient OR Outpatient) – up to $5,100 on 1st day hospital admission with surgery
    $250 ER visits + Ambulance Benefit
    Rates from $1.50/day
    Click Here to view Membership Benefits

      *When primary insured if employed 25+ hours per week at the time of application

      Benefit Schedule* For Each Covered Family Member
      Plan 1
      Plan 2
      Hospital Admission Benefit - first day(1)
      PLUS In Hospital Indemnity - from the first day(2)
      $50 per day
      $100 per day
      In Hospital Surgical Benefit(3)
      $1,000 (major);
      $250 (minor)
      $2,000 (major);
      $500 (minor)
      Plus Outpatient Surgical Benefit(4)
      $1,000 (major);
      $250 (minor)
      $2,000 (major);
      $500 (minor)
      Ground Ambulance(5)
      ER Visit(6)

      Included Discounts and Dividends

        🗸 MDhotline:
          Members have access to a nationwide network of medical doctors available 24 hours per day / 7 days per week for consultation or routine medical needs through the convenience of a toll-free phone number, without having to take time to make an appointment or wait in line at a doctor's office. MDhotline maintains members' electronic medical records (EMR) in a highly secured, Internet accessible environment and makes this information available to our network doctors prior to a doctor consultation. Furthermore, a MDhotline Doctor can write a prescription where allowed by law when sufficient medical history is available. (MDhotline cannot write prescriptions for narcotics or DEA controlled substances.)

        🗸 Portable Device Protection:
          Avoid unexpected costs! Reimbursement for the repair or replacement of your Portable Device (Mobile Phone, Tablet or Hot Spot) in the event it is: Accidentally Damaged or Stolen. Pays up to $600 per claim ($1,000 per year). Only $25 co-payment per claim.

        🗸 ID Recovery:
          Identity Restoration fully managed. Identity Restoration & Complete recovery of all compromised personal information. Helping to protect your family and your good name! Benefit managed by Merchant Information Solutions, Inc. With 100 years experience and over 10 million customers served in theft recovery and credit card fraud resolution; you are in good hands!

        🗸 PetAssure:
          We know your pets are part of the family! That’s why we've included Pet Assure, the nation's largest pet discount plan, in your member benefits. With Pet Assure, you will save 25% on all in-house medical services provided by network veterinarians, including office visits, surgical procedures, x-rays, shots, and dental care. It's as simple as that: there are no forms to fill out, no waiting for reimbursements and no denials of coverage. All pets in your household are covered - even older pets or pets with pre-existing conditions.

        🗸 Benefit Hub:
          Your Home for Amazing Deals on All the Brands You Love! Introducing Our Newest Savings Program for Members! Immediate Access to Discount Programs. Savings for your entire family on: Travel, Tickets, Auto, Electronics, Food ...and more.

        🗸 Vivint Home Security System:
          Association members can get a FREE Doorbell Camera Pro or a FREE $200 Visa Gift Card. Home security systems are an investment giving you peace of mind while helping to KEEP YOUR FAMILY SAFE. You may also be able to lower your homeowners’ insurance as many companies offer discounts to those who have a home security system. Control your entire system from a single app!

        🗸 Medical Alert System:
          Stay safe and connected at home and on-the-go! When a medical emergency occurs, a medical alert system can act as a VITAL LIFE-SAVING TOOL to assist seniors in their most vulnerable life moments. Medical alert systems give seniors confidence in knowing help is available when they need it – giving them the PEACE OF MIND to continue living independently. Aloe Care’s professional response team is always on-hand, ready to get the right level of support!

        🗸 Car Rental Services:
          Receive discounts from both Avis and Alamo. Thousands of cars, great prices.

      Sickness & Accident benefits are listed in the attached brochure below.
      View YAP Brochure

      Your Advantage Protector Rates

      Membership Monthly Rates - Working
      (If employed 25 hours per week at time of enrollment)
      Plan 1
      Plan 2
      Individual & Spouse
      Individual & Children

      Membership Monthly Rates - Not Working
      Individual & Spouse
      Individual & Children

      Rates include a $10 per month administrative fee charged by NEA.
      Approximately fifty percent of the membership fee applies to insurance benefits.

      Security & Privacy Security & Privacy - Click to View More

      Security & Privacy

      When you become a GACquote.com customer, you entrust us with your personal data. We consider your data to be private and confidential, and we hold ourselves to the highest standards of trust and fiduciary duty in their safekeeping and use. General Agent Center (GAC) and our partners will not release information about you or your application, policy or claims information, unless one or more of the following conditions are met:

      1. We receive your prior written consent.
      2. We believe the prospective recipient to be you or your authorized representative.
      3.We are required by law to release information to the recipient.

      Questions about your medical history and physical condition are required by our insurance carrier partners and will be released to the insurer so that they may underwrite your insurance application. GAC will not give or sell information about you to any other company, individual, or group without your prior authorization.

      GAC will only use information about you to help us better serve your insurance needs or to suggest GAC services or insurance materials that may be of interest to you.

      To further protect your privacy, our web site uses the highest levels of Internet security, including data encryption, user names and passwords, and other security tools.

      Occasionally, GAC may conduct marketing surveys or research to help us evaluate products, services, and the changing needs of our customers. It is GAC's policy to keep this information confidential.

      We will not share individual marketing data gathered from our web site with individuals or business entities not affiliated with GAC.

      We know that the privacy of your personal information is important to you. In order to provide you with insurance products of the highest quality and with the service you deserve, it may be necessary for us from time to time to collect nonpublic personal and financial information about you (the "Information") and, in certain situations, to share that Information with others. The following notice describes our policies and practices with regard to your Information.


      We maintain physical, electronic and procedural safeguards to protect the Information against unauthorized access and use. We restrict access to the Information to those employees who need access to provide products and services to you and your dependents. The personnel who have access are trained in the proper handling of the Information. Employees who violate this strict level of confidentiality are subject to our disciplinary process.


      In the normal course of business we may collect the following types of Information:

      • Information you provide on applications and other forms (including name and address)
      • Data about your transactions with us (such as types of products you have purchased and your account status)
      • Information gathered on our Web sites through online forms, site visit data and online information-collecting devices known as "cookies"


    • We may share your information among the Insurance Companies as permitted by law, including for routine business administration.
    • We may share information with non-affiliated companies as allowed by law, such as firms that perform services on our behalf, including the administration and marketing of our products. We require these companies to meet strict privacy standards.
    • We may disclose information to non-affiliated entities when required by law, such as to respond to a subpoena, to prevent fraud or to comply with an inquiry by a government agency.

    • We strive to maintain the accuracy of Information that is in our possession about you. In order to help us maintain accuracy, you have the right to reasonably access your information. If you believe any information in our possession is inaccurate, a request can be made to amend or delete the information that you believe to be erroneous. If we concur with the request, we will amend or delete the information in question. You may write our Privacy Office at the address below to receive our complete policy on accessing and amending the Information.

    • We reserve the right to change this Notice. We reserve the right to make the revised Notice effective for the Information we already have about you as well as any Information we receive in the future. If we make any material changes to our policies or practices, we will provide you with a copy of a revised Notice. We will post a copy of the current Notice on our websites. The Notice will contain in the top right-hand corner, the effective date.
    • You may contact our Privacy Office at:
      General Agent Center 15575 North 79th Place, Suite 100 Scottsdale, AZ 85260

      Who purchases this coverage?

        Individuals, Families or Groups with high deductibles wanting coverage for the 1st day of a hospital admission to offset the deductible, provide a daily hospital indemnity and provide benefits for ER visits and Term Life insurance coverage.

      YAP Your Advantage Protector
      Product available in the following states:
      AL, AZ, CA, DE, DC, FL, GA, HI, ID, IL, IN, IA, KY, MI, MS, MT, NE, NV, ND, OH, PA, RI, SC, TN, TX, VA, WI, WY

      An affordable alternative to Long Term Care insurance – in the comfort of home


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