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What is secondary medical coverage?
Pre-Med Defender is supplemental, or secondary, medical insurance coverage that individuals use together with their primary care/major medical plan (typically a high-deductible health plan). Pre-Med Defender pays for things like deductibles and other out-of-pocket expenses.
Understanding the Two-Card System for Claims
Using Pre-Med Defender involves two forms of coverage and two different payer IDs. Members will have a separate ID card for each policy. When visiting a medical provider, they will present BOTH cards.
Primary Care or Major Medical Plan
Pre-Med Defender Secondary Plan
Using/Billing Pre-Med Defender
STEP 1: Provider files claim with the Primary Insurance Carrier
STEP 2: Provider files claim with the Secondary Insurance Carrier
STEP 3: Secondary Claims Are Then Paid Directly to the Provider
Have questions about claims?
Contact Pre-Med Defender now at (866) 972-2368 or simply fill out the brief form below.