Pre - Med Defender New for 2027: Pre - Med Defender (PMD) is supplemental medical expense insurance that works as secondary coverage behind your HealthChoice plan, paying eligible deductible and coinsurance amounts so you keep more of your paycheck. Choose Your Pairing - 2027 Rates HealthChoice Basic + PMD HealthChoice HDHP + PMD PMD Deductible $0 individual / $0 family $2,000 individual / $4,000 family (keeps HSA eligibility) Annual PMD Benefit Up to $4,000 individual / $9,000 family Up to $4,250 individual / $8,500 family PMD Monthly Premium $131 employee only; $212 - $380 for other tiers $85 employee only; $134 - $186 for other tiers Best For The lowest possible out - of - pocket exposure Lower payroll deductions and a long - term HSA strategy Why It Is Smart to Pair With the HDHP or Basic Plan It covers the gap these two plans leave. Basic pays first dollar and then leaves you 50% coinsurance; the HDHP leaves a $2,000 individual / $4,000 family deductible. PMD pays those eligible deductible and coinsurance amounts as your secondary coverage. The HDHP pairing is built to protect your HSA. PMD holds a $2,000 / $4,000 deductible so your plan stays HSA - qualified. Pay that first layer with HSA dollars, then PMD takes over - and the monthly premium savings can fund roughly $2,350 to $5,965 of HSA contributions a year. Open enrollment begins October 1, 2026. You must re - enroll in Pre - Med Defender each year - it does not carry over automatically. Enroll at okpremed.com | (918) 212 - 4823 | info@okpremed.com Pre - Med Defender is the marketing name for fully insured Supplemental Medical Expense Insurance underwritten by A - rated carriers. It does not cover outpatient prescription drugs or copays charged by your primary health plan; members use their HealthChoice prescription copay plan. Coverage requires active enrollment in HealthChoice Basic, Basic Alternative, or HDHP. Consult a tax advisor regarding HSA eligibility. Rates shown are for Plan Year 2027 and are subject to change. Pre - Med Defender is not affiliated with HealthChoice and is not sponsored or endorsed by the State of Oklahoma.
2027 Benefit Guide MPS Page 6 Page 8