Pre Medical Defender is a supplemental health insurance program based in Plano, TX that aims to reduce out-of-pocket costs for state employees. By offering a lower monthly premium and eliminating deductibles, coinsurance, and copays, Pre Medical Defender provides a more affordable and comprehensive choice in health coverage. Approved by the State of Oklahoma Employee Benefits Department, this program is designed to be paired with the HealthChoice Basic medical plan, maximizing benefit allowances and protecting monthly income.
With Pre Medical Defender, members can enjoy first dollar coverage for up to $4,000 for single coverage and up to $9,000 for family coverage, significantly reducing their maximum out-of-pocket expenses. The program covers a wide range of in-patient and out-patient procedures, including emergency room visits, imaging, laboratory tests, and X-rays. While it does not provide coverage for prescription drugs, Pre Medical Defender works in conjunction with the HealthChoice Basic plan to create a comprehensive defense against out-of-pocket expenses, ensuring that members receive the medical care they need without the worry of unexpected financial burdens.
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