Oklahoma State Employees & Educators
Two Options to Defend Your Health Against Rising Healthcare Costs
Approved by the State of Oklahoma Employee benefits Department, Pre-Med Defender (PMD) is supplemental medical expense coverage that pairs with HealthChoice Basic or HealthChoice HDHP to help reduce what you pay out-of-pocket for covered care.
2027 PLAN ENROLLMENT IS NOW OPEN THROUGH NOVEMBER 15, 2026.
During this open enrollment period, online enrollment is only available for 2027 coverage, which will take effect on January 1, 2027.
If you need to make a change or enroll as a new hire for the remainder of 2026, you can complete a 2026 Enrollment Request Form or contact enrollment services at 866-972-2368, option 1.
Please Note: You must re-enroll in Pre-Med Defender coverage each year – enrollment does not carry over automatically.
HEALTHCARE SAVINGS IN SHINY ARMOR.
HealthChoice offers three medical plans — High, Basic, and the High-Deductible Health Plan (HDHP). Pre-Med Defender pairs with two of the plans to reduce what you pay out of pocket for covered care. This year, PMD paired only with HealthChoice Basic. For 2027, we've added a second pairing — HealthChoice HDHP — with substantially lower premiums and is HSA-qualified. Watch this video to learn how Pre-Med Defender works.
Testimonials
Frequently Asked Questions
Pre-Med Defender (PMD) is fully insured Supplemental Medical Expense Insurance, underwritten by A-rated carriers. It works as secondary coverage to your HealthChoice medical plan and helps cover eligible out-of-pocket costs, such as deductibles and coinsurance.
No. PMD currently only works alongside HealthChoice Basic or Basic Alternative Plans. Effective January 1, 2027, there will be a second PMD plan that can be paired with the HealthChoice High-Deductible Health Plan (HDHP).
Yes. You must show both your HealthChoice card and your Pre-Med Defender card every time you seek care. Tell the front desk you have secondary coverage.
No. PMD does not cover prescription drugs. You use your HealthChoice prescription copay plan. The only exception is medicine prescribed and taken while you’re confined in a hospital.
No. PMD does not cover copays charged by your HealthChoice plan.
Secondary insurance will pay the applicable benefit amount after the secondary deductible (if any) has been met for Covered Expenses up to the Calendar Year Maximum Benefit. The Covered Person must be under a doctor’s care, and the treatment must be for covered Injury or Sickness. Covered Expenses are the unpaid portions of charges for medical care, treatment and services that are eligible for reimbursement under and deemed allowable by the Policyholder’s HealthChoice Plan, and which are not excluded from coverage under the policy.
No. Any expense excluded under your medical plan is also excluded under PMD. For example, if HealthChoice doesn’t cover a procedure, PMD won’t pay for it either.
No. Wellness services, including routine checkups, well-child visits, and mammograms, are excluded. HealthChoice covers most preventive care.
Active and retired Oklahoma state employees and educators who are enrolled in HealthChoice Basic or Basic Alternative, or who elect HealthChoice HDHP for 2027.
No. PMD only pairs with HealthChoice Basic, Basic Alternative, or HDHP. You would need to be enrolled in one of these plans to purchase PMD.
Yes. PMD offers 4 tiers of coverage: Employee; Employee & Spouse; Employee & Chid(ren) and Employee & Family coverage.
Yes. PMD enrollment does not carry over automatically. You must re-enroll each year at open enrollment. New plans take effect on January 1st.
Yes, we have added a second plan option for 2027 that can be paired with the HealthChoice HDHP Plan. PMD doesn’t pay until you meet either the $2,000 individual / $4,000 family deductible, which preserves HSA eligibility. Consult a tax advisor about your own HSA eligibility and contribution limits.
No. HealthChoice Basic is not an HSA-qualified plan.
No. The PMD policy deductible and benefits are based on a calendar year. If you enroll mid-year, you will have until the end of the calendar year to meet your deductible (if any) and utilize your benefits before both reset on January 1st.
No. Your provider files claims with HealthChoice first, then files with PMD. PMD pays off the HealthChoice EOB (Explanation of Benefits).
As long as you present both your primary and secondary insurance cards to your provider, secondary claims are paid off the HealthChoice EOB directly to the provider.
If your provider will not file the secondary claim for you, you can contact Customer Support at 877-548-2491or you can submit your claim for reimbursement by clicking HERE and completing the online form.
You can log into your member portal at www.mypremeddefender.com, use the Pre-Med Defender mobile app, or call Customer Care.
Search for “Pre-Med Defender” in the App Store or Google Play. Login credentials are emailed to you shortly after you enroll in coverage.
Members: For enrollment, eligibility or claims assistance or if you have lost or need additional ID cards, contact our Customer Care Team at 877-548-2491. Hours: Monday–Thursday 7:30am–7pm, Friday 7:30am–6pm CST or email support@mypremeddefender.com
Group Administrators: For billing questions, contact Equipoint Partners at 866-972-2368, option 1. Hours: Monday–Thursday 8am–5pm, Friday 8am–4pm CST or email billing@mypremeddefender.com
Have Questions?
Customer Support:
Customer Service: 877-548-2491
Email: support@mypremeddefender.com
Hours: Mon–Thu 7:30am–7pm, Fri 7:30am–6pm CST
Member Portal – Click Here
Employer Support:
Employer Support: 866-972-2368, Option 1
Email: billing@mypremeddefender.com
Hours: Mon–Thu 8am–5pm, Fri 8am–4pm CST
Employer Portal – Click Here
Pre-Med Defender is the marketing name for the Supplemental Medical Expense Insurance underwritten by A-rated insurance carriers. State specific provisions may apply. The benefits outlined on this site are for illustrative purposes only and should not be considered a guarantee or proposal for coverage. Limitations and exclusions apply. Pre-Med Defender does not cover outpatient 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.
Pre-Med Defender is not sponsored or endorsed by the State of Oklahoma. Pre-Med Defender is not affiliated with HealthChoice.
© 2026 Pre-Med Defender. All rights reserved.