Good Morning...I attended a seminar that talked about using medical gap insurance with high deductible plans.  This insurance covers deductibles and co-insurance for inpatient and outpatient services.  Has anyone ever used these?  If so, are they worth the costs?

I have never used these before, but one thing comes to mind.  If your high deductible plan has an HSA attached to it, having a program like this could mean trouble for the HSA program.  It is my understanding that actually it would disqualify the HSA portion of the plan.