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Schedule phone meetings for my representatives. About our policy: In the event You need additional protection, the purchase of PremierChoice Specified Disease/Sickness, Accident Plans and the Optional Medical Inflation Protection and Guaranteed Insurability Rider provides You with a one- time right to purchase Our PremierMed Short Term Medical-Surgical Expense Plan without any additional medical underwriting. In Other words, Why pay for Coverage Before You Need It? The Premier Choice Specified Disease/Sickness and Accident Plans pay in addition to any coverage You have in force – even an essential health benefits plan. First Dollar Benefits!The PremierChoice Specified Disease/Sickness and Accident plans allow You to receive first dollar payments for expenses incurred up to a benefit maximum for covered healthcare services. And with the special doctor office visit “rollover”* feature in each Specified Disease\Sickness and Accident plan, if You don’t use Your benefits, You don’t lose them. No Calendar Year Deductible to Satisfy! PremierChoice Specified Disease/Sickness and Accident plans supplement an essential health benefits plan under which You must first satisfy a deductible every year before You are eligible to receive benefit payments.