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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.

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.

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.

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. If you are a new hire or experience a qualifying life event, you have until the last day of the month to enroll in coverage for first of the following month effective date.