MGA Benefits Group
Michigan Managing General Agency
Pre-Med Defender · Michigan
MGA Benefits Group is Michigan's appointed Managing General Agent for Pre-Med Defender, helping brokers pair a leaner primary plan with real supplemental coverage — lowering group medical costs without cutting the benefit your clients actually use.
Card One
Primary Major Medical Plan
CARDHOLDER
[MEMBER NAME]
GROUP
GRP-000000
PLAN TYPE
HDHP / PPO
EFFECTIVE
01 / 01 / 2026
Card Two
Pre-Med Defender Supplemental Plan
CARDHOLDER
[MEMBER NAME]
CERTIFICATE
PMD-000000
PLAN TYPE
SECONDARY / GAP
EFFECTIVE
01 / 01 / 2026
PRESENT WITH PRIMARY CARD AT POINT OF CARE
The Problem
Group medical premiums keep climbing, and employers keep answering the same way: raise the deductible. The plan stays affordable on paper while employees absorb thousands in first-dollar exposure they cannot cover.
That gap is where renewals get lost. Pre-Med Defender lets you pair a leaner primary plan with a secondary plan that absorbs the exposure — shaving the fat off group medical spend without gutting the benefit.
How It Works
Pre-Med Defender is a customizable secondary plan that sits behind the group's existing major medical coverage. It is an existing branded supplemental product underwritten by A-rated carriers; MGA Benefits Group holds the Michigan distribution rights.
The primary major medical card and the Pre-Med Defender card are shown together at check-in, so the provider has both coverages on file before the claim is built.
The primary plan adjudicates as it normally would. Pre-Med Defender then coordinates against that determination to establish secondary responsibility.
Pre-Med Defender absorbs the deductible, copay, and coinsurance gap left by the primary plan — paid to the provider, not reimbursed after the fact.
Lower out-of-pocket costs, deductibles, co-pays — including prescriptions — and coinsurance for members.
Combined benefit design: in-patient and out-patient procedures are paid equally.
Coverage Ledger
| Benefit | Single | Family |
|---|---|---|
| Maximum Benefit (per coverage period) | $1,000 – $20,000 | $2,000 – $40,000 |
| Deductible (per coverage period) | $0 – $5,000 | Max 2 per family |
| Percentage of Covered Expenses Policy Pays | Up to 100% | Up to 100% |
Benefits vary by carrier. Unlike typical gap plans, Pre-Med Defender pays up to 100% of covered in-patient AND out-patient procedures.
Compatibility
MGA Benefits Group and Pre-Med Defender are not affiliated with, sponsored by, or endorsed by any of the carriers listed above. Carrier names are referenced solely to indicate primary plan compatibility.
Why MGA Benefits Group
MGA Benefits Group is the appointed Managing General Agent bringing Pre-Med Defender to Michigan groups. That relationship means carrier access, underwriting familiarity, and a single point of accountability for your cases.
Partner agents receive employer-facing and member-facing collateral carrying their own agency identity, built for group open enrollment and mid-year renewal conversations.
Case design, plan-pairing modeling, and quoting support from staff who write this product every day — not a general service queue.
As an appointed partner, you have a direct path to place Pre-Med Defender with Michigan groups — paired with hands-on support to structure the plan correctly and communicate the value to employers.
For Agents
Appointment is limited to licensed producers writing group health in Michigan. Tell us who you are and we will open the file.