The financial defense before medical coverage.
The Pre-Med Defender program is approved by the State of Oklahoma Employee Benefits Department and is a group insurance plan designed to reduce the overall out-of-pocket expenses associated with a High Deductible Health Plan. Pre-Med Defender is considered first dollar “SECONDARY” coverage and is guarantee issue.
BENEFIT SELECTION
Benefits cover up to $6,000 for Single and up to $12,000 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 their primary / catastrophic coverage begins. Three deductible plan options are available, ($0, $250 or $500.)
IN-PATIENT AND OUT-PATIENT
Out-Patient benefits are paid at the same level as In-Patient benefits.
OUT PATIENT BENEFITS
PRE MED DEFENDER covers an array of out patient procedures and test including Emergency Room, Imaging, Preventive Care, Laboratory & X-rays.
prescription drugs
PRE MED DEFENDER plan does provide pharmacy coverage associated with the Health Choice High Deductible Plans and covers your prescriptions until your primary Rx co-pays kick in.