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What is Pre-Med Defender?

For services eligible under the patient’s primary health insurance, Pre-Med Defender pays the patient’s out-of-pocket expenses such as copays, deductibles, and coinsurance. Claims are paid directly to the healthcare provider. Pre-Med Defender provides many benefits to healthcare providers such as, but not limited to:

  • Reduction in Accounts Receivable

  • Reduction in the volume of patient services that are delayed or avoided

  • Reduction in bad debt

  • Timely direct deposit payments

  • Increase inpatient utilization


Filing Claims

Using Pre-Med Defender involves two forms of coverage and two different payer IDs.


STEP 1: Insured provides both Primary and Secondary ID Cards and Provider verifies coverage with both plans.

STEP 2: Provider sends claim to primary carrier. Primary carrier will process the claim and provider will receive an EOB (Explanation of Benefits).

STEP 3: Provider submits copy of Primary’s EOB as well as the standard CMS 1500 or a Hospital Claim Form (UB04) to Pre-Med Defender for processing.

STEP 4: Pre-Med Defender processes claim and sends payment directly to Provider along with final EOB to member.

Have questions?

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

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