Medical Mutual

Important Information About Medical Mutual Health Insurance

Medical Mutual was founded in 1934 and is headquartered in Cleveland, Ohio. For more than 75 years, it has been a trusted leader in the health insurance sector and today serves more than 1.6 million customers. Medical Mutual operates 12 offices across Ohio which provide service, sales, and information technology to consumers.

More than 2,500 dedicated employees offer policyholders, brokers, and group benefit managers prompt, efficient, and courteous personal service. This outstanding customer service is backed by comprehensive support from Medical Mutual’s entire organization.

Medical Mutual is wholly owned by its policyholders. Its commitment is to these members and it continually strives to put the interests and well-being of its members at the forefront of the decision-making process. Medical Mutual does not operate according to the whims and demands of Wall Street analysts.

Medical Mutual is dedicated to providing its members with quality health insurance coverage at an affordable, fair price. It also is committed to ensuring its members have easy access to a large network of qualified physicians, medical technicians, treatment facilities, and hospitals.


A Sampling of Medical Mutual of Ohio Health Plans

Medical Mutual offers consumers a variety of health insurance plans, each with varying deductibles and coverages, but all at an affordable price. The Standard plan is a sound choice for people who want basic, quality coverage but at a reasonable cost. It is a good healthcare benefits solution for those consumers who do not have access to group health insurance coverage.

One option offers a $25 co-payment for routine physical examinations and office visits. Annual deductibles range from $500 to $2,500 with an 80% coinsurance once the deductible amount is satisfied. Without the copayment option, the Standard plan has annual deductibles starting at $2,500 and going as high as $10,000.

Another plan offered by Medical Mutual is the Value plan. This health insurance package carries a lower cost than the Standard plan, but it does not provide benefits coverage for catastrophic medical events, unexpected emergencies, or qualified office visits. The upside to the Value plan is that the customer pays low monthly premiums and the annual deductibles are lower- ranging from $500 to $1500.

Medical Mutual also offers its customers a Health Savings Account (HSA) plan. This plan gives members the opportunity to establish a tax-advantaged health saving account. The funds from this account are used to pay for qualified medical treatment and services throughout the year.

HSAs are always combined with a high deductible medical health insurance plan. The annual deductibles can vary from $2,500 to $5,000. 100% coinsurance is available for office visits, emergency room visits, and preventive care services once the deductible has been met.


Competing Carriers

United Health Care
Blue Cross of California