Members
Say Goodbye to High Out-of-Pocket Medical Costs!
Designed to be paired with your Primary Medical policy, Pre-Med Defender is supplemental medical insurance coverage that provides you with a simple way to avoid getting stuck with high out-of-pocket medical expenses when you’re sick or injured. Pre-Med Defender fills in the gaps that your Primary policy leaves behind.
Why Members Choose Pre-Med Defender
Access to care with lower out-of-pocket medical expenses
Lower premiums and more robust benefits that they can actually use
Member Advocates to help with claims and billing issues
Access to $0 consult Telemedicine visits 24/7/365
How Does Pre-Med Defender Work?
With Pre-Med Defender, you have TWO health insurance cards:
Primary Care or Major Medical Plan
Pre-Med Defender Supplemental Plan
Using Pre-Med Defender is Simple!
Step 1:
When you visit a doctor’s office or other medical provider, present BOTH your Primary Care/Major Medical card and your Pre-Med Defender card.
Step 2:
Providers should file claims to both your primary and secondary coverage. All claims are then paid directly to your provider. It’s as simple as that!
NOTE:
You may receive a bill from your provider for any remaining balance that was not covered by either policy. Reach out to the provider with any questions or concerns!