State of OK - Employees
TO ENROLL IN PRE-MED DEFENDER COVERAGE, PLEASE FOLLOW THE STEPS BELOW.
STEPS TO ENROLL:
- Review the grid below and select your coverage tier.
- Click the Enroll button below to begin the enrollment process. You will have until the last day of the month to enroll for 1st of the month coverage.
- Once your enrollment is complete you will receive a confirmation email with a link to download your Payroll Deduction Authorization Form. (You must print, sign and return this form to your HR/Payroll Department)
*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 reduce your out-of-pocket medical costs. The benefits outlined on this website are for illustrative purposes only and should not be considered as a guarantee or proposal for coverage. Limitations and exclusions apply.
2026 Pre-Med Defender Rates
$98.00 per Month for Employee Only
$228.00 per Month for Employee + Spouse
$189.00 per Month for Employee + Child(ren)
$334.00 per Month for Employee + Family
EXCLUSIONS & LIMITATIONS
No benefits will be paid for loss caused by or resulting from: 1. any Expenses incurred during any period the insured Person does not have coverage under a Medical Plan; 2. war, declared or undeclared; 3. suicide or any attempt thereat, while sane or insane (in Colorado, Missouri or Montana, while sane); 4. any intentionally self-inflicted injury or Sickness, while sane or insane (in Colorado, Missouri or Montana, while sane); 5. any loss while the insured Person is in the service of the Armed Forces of any country. Orders to active military service for training purposes of two months or less will not constitute service in the Armed Forces. Upon notice to the Company of entering the Armed Forces, the Company will return to the insured Person pro rata any premium paid, less any benefits paid, for any period during which the insured Person is in such service; 6. any expense for which there is no legal obligation to pay, no charge is made or in the absence of coverage, no charge would be made; 7. drugs or medicines, except medicines prescribed and taken while Hospital Confined; 8. dental or vision services unless: a. resulting from an injury occurring while the insured Person’s coverage under the Policy is in force; or b. due to congenital disease or anomaly of a Dependent newborn child; 9. any injury that occurs while an insured Person has been determined to be intoxicated: a. by judicial or administrative judgment or order; b. by evidence of an alcohol concentration in the insured Person’s blood, breath or urine which equals or exceeds the limits set by applicable motor vehicle laws; or c. by other evidence demonstrating the insured Person was under the influence of any alcohol, narcotic, barbiturate or hallucinatory drug, unless the same was administered on the advice of a physician and was taken according to the prescribed dosage; and the use of such substance was a proximate cause of the injury; 10. any treatment, services or supplies for Wellness Services. For this exclusion, “Wellness Services” means treatment, services or supplies provided for routine health care, including, but not limited to, routine health or check-up examinations, routine well child visits, mammograms and other charges incurred during the course of a routine physical examination or checkup; 11. injury or Sickness for which compensation is payable under any Workers’ Compensation Law, any Occupational Disease Law or similar legislation, or if the Policyholder opts out of such requirements, any similar coverage purchased or self- funded by the Policyholder to cover work-related injuries or Sicknesses; 12. any loss for which the insured Person is not required to pay a Medical Plan Deductible, Medical Plan Copayment or Medical Plan Coinsurance under the insured Person’s Medical Plan; 13. any expense for which benefits are excluded under the insured Person’s Medical Plan; 14. an insured Person engaging in any act or occupation which is a violation of the law of the jurisdiction where the loss or cause of loss occurred. A violation of law includes both misdemeanor and felony violations.
I understand that I am only electing the Pre-Med Defender supplemental medical program. Changes to your major medical program must be made separately. You must enroll in HealthChoice Basic or Basic Alternative to participate in the Pre-Med Defender Supplemental Insurance.
*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.