Help Your Clients Reduce Overall Healthcare Premiums While Providing Richer Benefits to Employees

Pre-Med Defender was created to offer employer groups a simple, cost-effective way to control their healthcare spend, while also providing employees with an enhanced benefit option that protects them from excessive out-of-pocket medical expenses.

A group supplemental medical expense insurance plan specifically designed to be paired with a high-deductible health plan, Pre-Med Defender provides first-dollar coverage that members can utilize before their catastrophic coverage begins.


Why Brokers Choose Pre-Med Defender

Provide your clients with an innovative solution to lower their healthcare costs

Fits seamlessly with fully insured, level funded, and self-funded health plans

Ability to carve out Dr. Office Visit and Prescription Drug Copays

Fully customizable plan designs

Simplified enrollment with no employee applications required

Dedicated Account Managers

Looking for a Health Plan to Pair with Pre-Med Defender?

Introducing iOneMed™, a groundbreaking Level Funded Major Medical Plan that integrates everything into one simple, economical, and easy-to-manage solution. With iOneMed™, ONE ID CARD can be used for everything, including pharmacy benefits.

To learn more, visit

Customizable Marketing Materials for Brokers

As a valued broker partner, you have access to our full suite of Pre-Med Defender marketing materials—all of which can be customized with your logo and/or contact information. Simply click below to request a login.

Underwriting Guidelines


Employee must be covered by a Major Medical Plan.*

Major Medical Plan* must have a common deductible for all conditions.

Minimum size requirement for groups is 5 eligible employees (Florida requires groups of 51+ eligible).

Eligibility is restricted to W-2 employees and their dependents participating in the Major Medical Plan (1099 contract persons are not eligible, unless the “employer” is sponsoring the medical plan).

Employer Contribution

When the employer pays 100% of the employee’s premium, 100% employee participation will be required.

When employer contribution is less than 100%, the secondary plan requires 75% participation of employees enrolled in the primary health plan.

The minimum employer contribution is 50% of the employee’s premium.

*A Major Medical Plan is any self-funded or fully-insured comprehensive medical plan that meets all of the minimum essential benefit standards of the Affordable Care Act. Major Medical Plan does not include any limited medical program, Medicare or Medicaid. Plan limits will apply according to the policy.

Have questions?

Contact us today to learn more about what
Pre-Med Defender can do for your clients!

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