Pre – meaning “before“; before Medical.
Defender – meaning “a person or thing that protects from danger or attack“.
PRE-MED DEFENDER is a Group Supplemental Medical Expense Insurance Plan designed to address out-of-pocket expenses such as deductibles and co-insurance. It's available to employer groups of 10 employees or more in selected states and it must be offered in tandem with a comprehensive group medical policy.
PRE-MED DEFENDER pays a coverage year benefit, up to the maximum benefit amount selected, for each covered person who incurs covered expenses. These benefits are paid equally for both in-patient and out-patient benefits up to the maximum benefits amount selected.
PRE-MED DEFENDER insurance coverage is underwritten by National Guardian Life Insurance Company is not affiliated with the Guardian Life Insurance Company, a/k/a The Guardian or Guardian Life.
A.M. Best Rating: “A-(Excellent)” This rating is given to companies having a strong ability to meet their obligations to policy owners over a long period of time.