GAP PLAN
(effective 1.1.2026)
Stone County Board of Supervisors is proud to offer employees a GAP plan administered by Manhattan Life. A GAP plan is designed to supplement the deductible of a high deductible health plan. This reduces the amount the member has to pay out of pocket prior to the plan's coinsurance taking effect. The chart below illustrates the total deductible for the plan, what the member is responsible for paying, and what the GAP Plan is responsible for paying.
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NOTE: You must always present your BCBS of MS medical ID card to providers, as well as your Manhattan Life GAP plan ID card which is secondary to your medical plan. This goes into effect 1.1.2026.
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Contact Campus Benefits for assistance.
Email: mybenefits@campusbenefits.com
Call 1-866-433-7661, option 5
Stone County Board of Supervisors GAP Plan
Plan #891945 - Administered by Manhattan Life
Click on the GAP Card above for download instructions!
What is the GAP Plan?
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The GAP Plan is an employer sponsored group supplemental (secondary) insurance plan which is designed to help reduce the cost of group medical coverage.
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Who is Manhattan Life?
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Manhattan Life is a TPA (third-party administrator) who administers billing, eligibility, and processes claims for your GAP Plan.
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Claims Process
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The employee simply presents their primary and secondary insurance cards every time they see their provider.
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The provider and insurance carriers do all the work and the member pays the final bill.
How to Use the GAP Plan:
Step 1: Member Shows Both Cards
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Give both primary & secondary cards every time they see a provider. In order for claims to be filed with the insurance carriers, the provider must have the insurance information in their records.
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Step 2: Provider Verification
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Verifies coverage with both insurance carriers.
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Step 3: Provider Files the Claim
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Once the provider has received the major medical’s EOB, the provider will submit the claim to the secondary insurance carrier by filing electronically or by paper.
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Step 4: Premium Saver Pays Provider
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Secondary insurance carrier processes claim and sends payment & EOB to the provider. A copy of the EOB will also be sent to the member.
Client Portal
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If you have not created a user account or login before, you will need to register as a new user.
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Visit login page: clients.manhattanlife.com
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Click "Register Now"
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Complete each step to register
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Once logged in, you will be able to view your claims and policy information.