Say Goodbye to Excessive Out-of-Pocket Medical Costs!

Designed to be paired with your Primary Medical policy, Pre-Med Defender is supplemental health insurance coverage that provides you with a simple and affordable way to avoid getting stuck with excessive 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

More affordable medical care with lower out-of-pocket 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!


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!

Have questions? We're here to help!

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