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$0 Deductibles
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Reduce Your Out-of-Pocket Health Insurance Costs with this New Benefit Option for State Employees That Lowers Monthly Premiums and Eliminates Deductibles, Coinsurance and Copays.*

Enroll Now
2025 OKPreMed Video
What is Pre-Med Defender?

Lower Healthcare Costs BEGIN HERE

Tired of giving up a significant portion of your paycheck each month for health insurance, only to be left with out-of-pocket expenses?

2025 Plans & Rates
Say HELLO to a better choice in health coverage. Say HELLO to Pre-Med Defender.

Pay an affordable monthly premium and eliminate your medical deductible and coinsurance.

  • NO DEDUCTIBLES
  • ELIMINATES Coinsurance
  • LOWER Out-of-Pocket Costs

It’s all possible with Pre-Med Defender!

Maximize your benefit allowance
and protect your monthly income!

Approved by the State of Oklahoma Employee benefits Department, Pre-Med Defender is a Group Supplemental Program designed to be paired specifically with your HealthChoice Basic medical plan.

Enrollment is easy!

Step 1: Choose the HealthChoice Basic Plan Option.

Step 2: Click the Enroll Now button to begin your PMD Enrollment.

Step 3: Print and sign
completed forms, then submit to your Supervisor/HR.

NEW PLANS BEGIN JANUARY 1, 2025

How it Works!

HealthChoice Basic Plan

Pre-Med Defender Supplemental Plan

Step 1: When seeking care, simply present BOTH your HealthChoice Basic Plan card and your Pre-Med Defender Supplemental Plan card.

Step 2: Pre-Med Defender coordinates with the carrier to determine your claim responsibilities.

Step 3: Claims can then be paid directly to your provider.

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!

BENEFIT SELECTION

Benefits cover up to $4,000 for Single and up to $9,000 for family coverage that can eliminate or significantly reduce a family’s Maximum Out of Pocket (MOOP) exposure. First dollar coverage that can be utilized before your primary HealthChoice coverage begins.

IN-PATIENT AND OUT-PATIENT

Out-Patient benefits are paid at the same level as InPatient benefits.

OUT PATIENT BENEFITS

PRE-MED DEFENDER covers an array of out-patient procedures and test including Emergency Room, Imaging, Laboratory & X-rays.

PRESCRIPTION DRUGS*

PRE-MED DEFENDER plan does NOT provide pharmacy coverage. Pharmacy benefits are covered under your HealthChoice Basic plan.

Pre-Med Defender when combined with the HealthChoice Basic plan, gives you the best defense against out-of-pocket expenses! You will have two premiums and utilize two ID cards combined to form one plan:

^ HealthChoice Basic plan pays the first $500 of eligible expenses. HealthChoice Alternative pays the first $250 of eligible expenses. Pre-Med Defender pays a calendar year benefit of up to $4,000 for individual / $9,000 for family towards eligible medical expenses. This is only a sample summary of each plan. For all plan benefits/limitations, contact each plan.
* Pre-Med Defender does not provide coverage for Prescription Drugs. Member will use their HealthChoice Basic Prescription Copay plan.

Testimonials

I have always tried to keep the best medical coverage for my family through HealthChoice and still found ourselves with higher-than-expected medical expenses when we did need the insurance.  When I found the option to enroll in secondary coverage with PreMed Defender for the same cost but without any medical out of pocket, I couldn’t believe it.   We have been covered under this plan for going on a year and are very pleased. We have not had to pay for medical expenses since we enrolled in the coverage.  I hope more people can find out about this option which can help eliminate the financial setback that unknown medical expenses can have on you and your family like it has done for ours.  I am very thankful this new coverage is available for our family and encourage anyone to try it out!

Amanda L.
This policy has helped my family get the medical care we need without worrying about the unexpected financial burden. Thank you so much PreMed defender!
Robbie M.
I was the only one within OEM that took advantage of this secondary insurance. When I started with the plan, I had a spouse on the coverage and between both of us getting prescriptions and going to the doctor, the benefit was great. No co-pays and the prescriptions were free. Being that Health Choice was the primary insurance, what they did not cover Premed picked up the remaining cost. I had surgery back in June, and between both insurances, I was not out any money. The $6,000 limit seemed a bit small in the beginning, but here it is September and I still have over $2,000 remaining. I wished more people would take advantage of this insurance.
Lynn T.

Frequently Asked Questions

WHY DO I NEED SECONDARY COVERAGE FOR MY HEALTHCHOICE BASIC PLAN?

Unpaid medical bills can create financial hardship for almost every family. Bankruptcy, depleted savings and loss of real estate are a few risks directly associated with medical plans that have high out of pocket exposure. Secondary coverage can eliminate or reduce that risk significantly. When you combine Pre-Med Defender to your HealthChoice Basic plan, you virtually eliminate your deductibles and coinsurance.

ARE THERE ANY WAITING PERIODS OR BENEFITS NOT COVERED BY THE PRE-MED DEFENDER PLAN?

Since the PRE-MED DEFENDER coverage is a “true SECONDARY plan” to an existing Major Medical plan; we follow the same guidelines as your Primary Medical plan. So, if something is not covered or allowed by your Primary plan; then PRE-MED DEFENDER will not cover it as well. We also follow the waiting period and eligibility requirements of the in force medical plan.

ARE PRESCRIPTIONS COVERED BY THE PRE MED DEFENDER?

No. PRE-MED DEFENDER does not cover prescription drugs. Prescriptions are covered under your primary HealthChoice Basic medical plan. Please refer to your Employee Benefits Guide for additional plan details.

WHO DO I CALL WITH QUESTIONS REGARDING MY SECONDARY COVERAGE?

For eligibility or claims assistance, call the member service phone number located on the back of your Pre-Med Defender ID card. If you have lost or need additional ID cards, click on Contact Us to request a new card.

HOW DOES HAVING TWO MEDICAL CARDS WORK?

With our PRE MED DEFENDER plan; participants and providers will understand that there are two forms of coverage and there are two different payer ID’s.

1. Primary Major Medical Plan (HealthChoice Basic) and
2. Secondary Medical Plan (Pre-Med Defender).

Therefore, healthcare providers and or facilities should automatically send Primary Coverage claims information electronically for processing. Once that process has taken place and your initial claim is accepted and processed; our job is to make sure your provider has the information they need to make sure your “secondary benefits”; or PRE MED DEFENDER benefits are paid as well.

HOW DO I SUBMIT MY MEDICAL CLAIMS?

We have set up an electronic payer ID for your provider to file the claim electronically; let your Provider file the claim to HealthChoice (Primary) first and then to your PRE MED DEFENDER plan (Secondary).

You will need to provide your primary HealthChoice Basic card as well as your PRE MED DEFENDER card to the provider. Most providers will file the claim electronically because it is easy and they get paid faster. A claim contact phone number is printed on the ID card along with the claim’s payer information for the provider. If needed, our customer service staff can and will send a letter to each provider explaining how to file claims. If your provider will not file the secondary claim for you, you can submit your claim for reimbursement by clicking HERE and completing the online form.

WHAT DOES THE PRE MED DEFENDER PLAN PAY?

PRE MED DEFENDER will pay the applicable benefit percentage for the Covered Expenses up to the Coverage Year maximum. The Covered Person must be under a Doctor’s care, and the treatment must be for covered Injury or Sickness after the secondary deductible (If applicable) has been met.

Covered Expenses are the unpaid portion of charges for medical care, treatment and services that are eligible for reimbursement under and deemed allowable by the Policyholder’s other Health Benefit Plan, which are not excluded from coverage under the policy.

IF I AM ALREADY ENROLLED IN PRE-MED DEFENDER , DO I HAVE TO RE-ENROLL EACH YEAR?

Yes.  You must re-enroll in Pre-Med Defender during each annual enrollment period. 

Have Questions?

Prefer to Call?

JOE BRINING,

State Representative

(405) 615-6996
[email protected]

Claims

(844) 543-1575

*Pre-Med Defender is the marketing name for the Supplemental Medical Expense Insurance underwritten by A rated insurance carriers. State specific provisions may apply. Pre-Med Defender helps to reduce out-of-pocket medical costs. Pre-Med Defender does not cover Prescription drugs. This site is for informational purposes only and provides sample summaries of each plan. For all plan benefits, limitations, and exclusions, contact each plan.