Choose a Health Plan that Meets Your Needs 2016 Medical Mutual Personal Health Insurance Guide
PPO AND HMO HEALTH PLANS
We’re Here to Help Let Us Help You Understand Your Options
With so many health insurance options available, it is important to find the health plan that is right for you. Medical Mutual can help you understand your options and choose a plan that fits your unique needs. Contents Options. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 Benefits. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 Financial Assistance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 Helpful Terms. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4 Get Started. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5 - 6 PPO Plan Highlights. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7 - 8 HMO Plan Highlights . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9 -10 Why Choose Medical Mutual . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
Open Enrollment Open enrollment begins November 1, 2015, and goes through January 31, 2016. If you don’t enroll in a plan by the deadline, you may not be able to get health insurance until January 1, 2017, and you may be subject to federal penalties. To make sure you have coverage by January 1, 2016, enroll by December 15, 2015.
Special Enrollment Once open enrollment is closed, you still may be able to get health insurance if you have a qualifying or special event. Special enrollment periods last 60 days after these events, and may include marriage, birth or adoption, divorce or loss of job and employer sponsored coverage. You will need proof of your special event to enroll. 1
Options We Have Plans to Fit Your Needs
Medical Mutual offers two plan options: plans compatible with a health savings account (HSA) and plans with the traditional copay.
HSA-Compatible Plans OVERVIEW
BEST FOR
Copay Plans
Lower monthly payment with more
Higher monthly payment with
upfront out-of-pocket expenses.
fixed costs.
People who prefer low monthly
People who prefer fixed costs for
payments and the tax advantages of
common healthcare services.
an HSA. (There is a federal tax incentive when you put money into an HSA.)
DETAILS
These plans provide quality health
These plans provide fixed costs for
insurance combined with tax benefits
doctor visits and prescription drugs.
by diverting some of your income
Your copay for a particular service
into an HSA. An HSA is an investment
doesn’t change no matter how much
account you can draw from to pay out-
the doctor charges or how much the
of-pocket healthcare expenses.
prescription costs.
This document is only a brief summary of benefits and services. Our plans have exclusions, limitations and terms under which the plan may be continued in force or discontinued. Please refer to the certificate book for a complete explanation of benefits, exclusions and limitations.
2
Benefits Preventive Care
Preventive care is included in our individual plans at no additional cost. Many services—including wellness visits, immunizations and screenings for cancer and other diseases—are available at no charge. For many preventive services, you will not pay any deductible, copays or coinsurance. All individual health insurance plans must include some level of coverage in the following categories:
Hospitalization
Prescription Drugs
Emergency Services
Maternity and Newborn Care
Pediatric Services
Rehabilitative Services
Mental Health and Substance Use Disorder Services
Preventive and Wellness Services
Laboratory Services
Sample Chart Number of people in household
2014 annual family income levels to qualify1
1
$46,680 or below
2
$62,920 or below
3
$79,160 or below
4
$95,400 or below
can also go online to MedMutual.com to use our Tax
5
$111,640 or below
Subsidy Estimator.
6
$127,880 or below
7
$142,440 or below
8
$158,520 or below
Did you know? You may be eligible for a tax subsidy to help you pay for health insurance. Use the chart to get an idea of whether you and your family may qualify for a tax subsidy. You
1. 2 014 modified adjusted gross income levels are the latest available; assistance will be based on estimated 2015 modified adjusted gross income.
3
Helpful Terms
Premium
Copay (or copayment)
The amount you pay each month for your health
The amount you pay a healthcare provider at the
insurance plan.
time you receive services. For instance, you may have to pay a copayment for each covered visit to
Deductible
your doctor. Not all plans require a copayment.
The amount you pay before health plan benefits are provided. On a family policy, the entire family
Maximum Out Of Pocket (MOOP)
deductible must be met before benefits are paid
The maximum dollar amount you would pay
by the health insurance plan for any individual
in a year including deductibles, copays and
family member.
coinsurance. It does not include your monthly premium. The entire family MOOP must be met
Coinsurance
before services pay at 100 percent.
The percentage of a medical bill you share with your insurance company after you’ve paid your
Metal Level
deductible. For example, if you have a $100
The government defined four metal levels to
doctor’s bill and your plan covers 80 percent, the
describe the amount of coverage a plan offers—
coinsurance amount you owe to the doctor’s office
platinum, gold, silver and bronze. The levels can
is 20 percent, or $20.
help people understand what their potential out-ofpocket costs may be.
HMO (Health Maintenance Organization) HMO plans are usually more affordable than PPO
PPO (Preferred Provider Organization)
plans, but they have a smaller network of doctors
PPO plans may have a higher premium, but they
and hospitals. With an HMO plan, you must use
offer a larger network and more flexibility when
an exclusive network of doctors and hospitals. If
selecting a doctor or hospital. With a PPO plan,
you use an out-of-network provider, you will not be
you can use an out-of-network provider, but doing
covered except for emergency care.
so will usually require higher out-of-pocket costs.
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What do people talk about when they talk about health insurance plans? Prevention coverage and wellness support? Exclusive doctors and facilities? Catastrophic illness and emergency coverage? Affordable prescriptions? The ability to manage healthcare online? Managing the high cost of healthcare? All of the above. That’s why Medical Mutual offers a variety of plans to fit your healthcare needs.
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MedMutual Market (on exchange) and MedMutual (off exchange) PPO Plans PPO plans are offered statewide and give you
Clermont, Clinton, Darke, Greene, Hamilton,
more flexibility when choosing a provider from
Highland, Miami, Montgomery, Preble, Shelby
our SuperMed network. Our SuperMed network
and Warren. All MedMutual PPO plans (off the
has one of the largest networks of providers and
exchange) are available statewide.
hospitals in the state of Ohio. Because of this, you
PPO plans do not require you to choose a primary
have more doctors and hospitals to choose from.
care physician (PCP) when you enroll. No referrals
Some of our MedMutual Market PPO plans (on
are necessary to see a specialist. Precertification
exchange) are not available to individuals who live
may be necessary for some services such as
in the Southwest region. Those counties include
hospital admissions, outpatient surgeries and
Adams, Brown, Butler, Champaign, Clark,
invasive diagnostic tests.
®
MedMutual Market (on exchange) and MedMutual (off exchange) HMO Plans Medical Mutual has been serving members in Ohio
HMO plans are designed to provide the care you need
for over 80 years and we are pleased to introduce
in an exclusive healthcare network. The network will
HMO plans for 2016 Open Enrollment. Our HMO
determine how and where you receive care. With a
plans are available to individuals who live in select
MedMutual Market or MedMutual HMO Mercy plan,
counties in Northwest and Southwest Ohio. The
you may only receive services from Mercy Health
Northwest region includes Lucas and Wood counties. providers or at Mercy facilities without paying outThe Southwest region includes Butler, Clermont and
of-network charges. If you choose a MedMutual
Hamilton counties. Our HMO plans can be purchased Market or MedMutual HMO Promedica plan, you may both on and off the exchange. When you choose
only receive services from Promedica providers and
an HMO plan, your care will be managed within a
facilities without paying out-of-network charges.
certain provider network. In the Northwest, you can
Our HMO plans do not require you to choose a
choose HMO plans where Mercy Health or Promedica primary care physician (PCP) when you enroll. providers are the exclusive networks for care. In the
No referrals are necessary to see a specialist.
Southwest, HMO plans have Mercy Health providers
Precertification may be necessary for some services
as the exclusive network for care.
such as hospital admissions, outpatient surgeries, and invasive diagnostic tests.
Deciding Between a PPO and an HMO If you have a choice between these two types of plans, consider your medical needs, availability of HMOs in your area and income. If you’re looking at an HMO, take a close look at the exclusive network to determine if the choices of doctors and medical facilities are enough to meet your needs. A PPO gives you more freedom, including the potential to be covered for medical bills outside the network, but your costs may be higher. 6
Plan Highlights PPO Plans Explore Your Health Insurance Options Individual Marketplace (On exchange) If you qualify for a subsidy, choose from these plans. Please note, subsidies are not available for the Young Adult Essentials Plan. The values below are for in-network services only 1.
Deductible* (Single/Family)
PPO On Exchange Plans
Coinsurance
Maximum Out of Pocket4 (Single/Family)
Office Visit Copay PCP/ Specialist Urgent Care
ER Copay6
Prescription Drugs Generic/Pref Brand/Non Pref Brand and Specialty
Provider Network
Market 1000 is available to individuals who live in all counties except Lucas, Wood, Clermont, Butler and Hamilton. Members choosing these plans will have access to the SuperMed provider network. Med Mutual Market 1000
$1,000/$2,000
20%
$6,500/$13,000
$25/$50
$250
15/30/50%8 30-day supply
SuperMed
These plans are available to individuals who live in all counties except Adams, Brown, Butler, Champaign, Clark, Clermont, Clinton, Darke, Greene, Hamilton, Highland, Miami, Montgomery, Preble, Shelby and Warren counties. Members choosing these plans will have access to the SuperMed provider network. MedMutual Market 1750
$1,750/$3,500
25%
$6,850/$13,700
$30/$60 then 25%
$300/25%
$30/$60/50%8 30-day supply
SuperMed
MedMutual Market 17502 (200% - 250% FPL)
$1,500/$3,000
25%
$5,450/$10,900
$30/$60 then 25%
$300/25%
$30/$60/50%8 30-day supply
SuperMed
MedMutual Market 17502 (150% - 200% FPL)
$800/$1,600
10%
$1,200/$2,400
$30/$60 then 10%
$300/10%
$30/$60/50%8 30-day supply
SuperMed
MedMutual Market 17502 (139% - 150% FPL)2
$100/$200
10%
$500/$1,000
$30/$60 then 10%
$300/10%
$30/$60/10%8 30-day supply
SuperMed
MedMutual Market 4000 HSA5
$4,000/$8,000
0%
$4,000/$8,000
Deductible
Deductible
Deductible
SuperMed
MedMutual Market 4000 HSA (200% - 250% FPL)
$3,000/$6,000
0%
$3,000/$6,000
Deductible
Deductible
Deductible
SuperMed
MedMutual Market 4000 HSA2 ** (150% - 200% FPL)
$1,250/$2,500
0%
$1,250/$2,500
Deductible
Deductible
Deductible
SuperMed
MedMutual Market 4000 HSA2 ** (139% - 150% FPL)
$500/$1,000
0%
$500/$1000
Deductible
Deductible
Deductible
SuperMed
5,2
These plans are available to individuals who live in all Ohio counties and have access to the SuperMed providers. MedMutual Market 2400
$2,400/$4,800
20%
$6,850/$13,700
Deductible/ Coinsurance
Deductible/ Coinsurance
Deductible/ Coinsurance
SuperMed
MedMutual Market 24002 (200-250% FPL)
$1,500/$3,000
20%
$5,450/$10,900
Deductible/ Coinsurance
Deductible/ Coinsurance
Deductible/ Coinsurance
SuperMed
MedMutual Market 24002 (150-200% FPL)
$350/$750
20%
$2,250/$4,500
Deductible/ Coinsurance
Deductible/ Coinsurance
Deductible/ Coinsurance
SuperMed
MedMutual Market 24002 (139-150% FPL)
$100/$200
10%
$1,000/$2,000
Deductible/ Coinsurance
Deductible/ Coinsurance
Deductible/ Coinsurance
SuperMed
7
Office Visit Copay PCP/ Specialist Urgent Care
ER Copay6
Prescription Drugs Generic/Pref Brand/Non Pref Brand and Specialty
PPO On Exchange Plans
Deductible* (Single/Family)
Coinsurance
Maximum Out of Pocket4 (Single/Family)
MedMutual Market 5000
$5,000/$10,000
40%
$6,850/$13,700
Deductible/ Coinsurance
$300/ Deductible
40/80/50%8 30-day supply
SuperMed
MedMutual Market 6000 HSA5
$6,000/$12,000
0%
$6,000/$12,000
Deductible
Deductible
Deductible
SuperMed
MedMutual Market Young Adult Essentials3
$6,850/$13,700
0%
$6,850/$13,700
$407/Deductible
Deductible
Deductible
SuperMed
Provider Network
Individual Private Marketplace (Off exchange) Plans sold off the exchange do not qualify for a subsidy. These plans are available to individuals who live in all Ohio counties and have access to the SuperMed providers.
Office Visit Copay PCP/ Specialist Urgent Care
Prescription Drugs Generic/Pref Brand/Non Pref Brand and Specialty
Deductible* (Single/Family)
Coinsurance
Maximum Out of Pocket4 (Single/Family)
MedMutual 1750
$1,750/$3,500
25%
$6,850/$13,700
$30/$60 then 25%
$300/25%
$30/$60/50%8 30-day supply
SuperMed
MedMutual 2500
$2,500/$5,000
30%
$6,850/$13,700
$35/$707
$300
20/40/50%8 30-day supply
SuperMed
MedMutual 3500
$3,500/$7,000
30%
$6,000/$12,000
$25/$507
$300
20/40/50%8 30-day supply
SuperMed
MedMutual 4000 HSA5
$4,000/$8,000
0%
$4,000/$8,000
Deductible
Deductible
Deductible
SuperMed
MedMutual 5000
$5,000/$10,000
40%
$6,850/$13,700
Deductible/ Coinsurance
$300/ Deductible
40/80/50%8 30-day supply
SuperMed
MedMutual 6000 HSA5
$6,000/$12,000
0%
$6,000/$12,000
Deductible
Deductible
Deductible
SuperMed
PPO Off Exchange Plans
ER Copay6
Provider Network
This is only a summary of benefits and copayments, coinsurance and deductibles. For a complete list of benefits please refer to the benefit certificate. Pediatric dental is embedded in all off exchange plans. *All plans have an embedded deductible. Any combination of family members may satisfy the family deductible. However, if one family member meets their individual deductible, services will begin to pay for that particular family member. Any combination of family members may satisfy the family out of pocket, and services will begin to pay at 100 percent. However, if one family member meets their individual amount, services will begin to pay at 100 percent for that particular family member. **This plan does not qualify as an HSA product. Specialty Drugs will have a 30 day mail order limit for all products. Footnotes 1. In-network services include providers, hospitals and facilities where Medical Mutual has negotiated rates. 2. Members may be eligible for the cost share subsidy plan designs. The federal government determines eligibility based on household size, income and Federal Poverty Level (FPL) of the applicant. 3. Young Adult Essentials is offered to individuals ages 21 up to (but not including) 30, or individuals with financial hardship circumstances as defined by the federal government. 4. MOOP represents the maximum out of pocket and includes deductibles, copays and coinsurance. 5. Health Saving Accounts (HSA) are an investment account that can be drawn from to pay out-of-pocket healthcare expenses. 6. Non-emergency use of the emergency room is not covered. 7. Office visits for the following provider specialties are combined for visits one through three: PCP, specialists and urgent care office visits. Once the visit limit is met, additional visits are subject to deductible and coinsurance (if applicable for that product design). The Young Adult Essentials plan has an office visit copay limit applied to PCP providers only for visits one through three. 8. The retail copay for the non-preferred brand and specialty tiers is 50 percent up to a $350 maximum per script. Mail order copay for non-preferred brand is 50 percent up to a $1,050 maximum per script. Mail order specialty drugs will have a 30-day supply and are subject to a 50 percent coinsurance up to a $350 max/script. The copay for mail order generic and preferred brand drugs is three times the retail amount.
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Plan Highlights HMO Plans Explore Your Health Insurance Options Individual Marketplace (On exchange) If you qualify for a subsidy, choose from these plans. The values below are for in-network services only 1. Services outside of the exclusive network are not covered, except for emergency services.
HMO On Exchange Plans
Deductible* (Single/Family)
Coinsurance
Maximum Out of Pocket 3 (Single/Family)
Office Visit Copay PCP/ Specialist Urgent Care
ER Copay 5
Prescription Drugs Generic/ Pref Brand/ Non Pref Brand and Specialty
Provider Network
These plans are only available to individuals who live in Lucas, Wood, Butler, Clermont and Hamilton counties only. Members choosing these plans have access to Mercy Health providers only. MedMutual Market HMO 1000 Mercy
$1,000/$2,000
20%
$6,500/$13,000
$25/$50
$250
$15/$30/50%6 30-day supply
Mercy Health
MedMutual Market HMO 1750 Mercy
$1,750/$3,500
25%
$6,850/$13,700
$30/$60 then 25%
$300/25%
$30/$60/50%6 30-day supply
Mercy Health
MedMutual Market HMO 1750 Mercy 2 (200% - 250% FPL)
$1,500/$3,000
25%
$5,450/$10,900
$30/$60 then 25%
$300/25%
$30/$60/50%6 30-day supply
Mercy Health
MedMutual Market HMO 1750 Mercy 2 (150% - 200% FPL)
$800/$1,600
10%
$1,200/$2,400
$30/$60 then 10%
$300/10%
$30/$60/50%6 30-day supply
Mercy Health
MedMutual Market HMO 1750 Mercy 2 (139% - 150% FPL)
$100/$200
10%
$500/$1,000
$30/$60 then 10%
$300/10%
$30/$60/10%6 30-day supply
Mercy Health
MedMutual Market HMO 4000 HSA4 Mercy
$4,000/$8,000
0%
$4,000/$8,000
Deductible
Deductible
Deductible
Mercy Health
MedMutual Market HMO 4000 HSA4,2 Mercy (200% - 250% FPL)
$3,000/$6,000
0%
$3,000/$6,000
Deductible
Deductible
Deductible
Mercy Health
MedMutual Market HMO 4000 Mercy 2 ** (150% - 200% FPL)
$1,250/$2,500
0%
$1,250/$2,500
Deductible
Deductible
Deductible
Mercy Health
MedMutual Market HMO 4000 Mercy 2 ** (139% - 150% FPL)
$500/$1,000
0%
$500/$1000
Deductible
Deductible
Deductible
Mercy Health
$6,000/$12,000
0%
$6,000/$12,000
Deductible
Deductible
Deductible
Mercy Health
MedMutual Market HMO 6000 HSA4 Mercy
These plans are only available to individuals who live in Lucas and Wood counties only. Members choosing these plans have access to Promedica providers only.
9
MedMutual Market HMO 1000 Promedica
$1,000/$2,000
20%
$6,500/$13,000
$25/$50
$250
$15/$30/50%6 30-day supply
Promedica
MedMutual Market HMO 1750 Promedica
$1,750/$3,500
25%
$6,850/$13,700
$30/$60 then 25%
$300/25%
$30/$60/50%6 30-day supply
Promedica
MedMutual Market HMO 1750 Promedica2 (200% - 250% FPL)
$1,500/$3,000
25%
$5,450/$10,900
$30/$60 then 25%
$300/25%
$30/$60/50%6 30-day supply
Promedica
MedMutual Market HMO 1750 Promedica2 (150% - 200% FPL)
$800/$1,600
10%
$1,200/$2,400
$30/$60 then 10%
$300/10%
$30/$60/50%6 30-day supply
Promedica
MedMutual Market HMO 1750 Promedica2 (139% - 150% FPL)
$100/$200
10%
$500/$1,000
$30/$60 then 10%
$300/10%
$30/$60/10%6 30-day supply
Promedica
Office Visit Copay PCP/ Specialist Urgent Care
ER Copay 5
Prescription Drugs Generic/ Pref Brand/ Non Pref Brand and Specialty
Provider Network
Deductible* (Single/Family)
Coinsurance
Maximum Out of Pocket 3 (Single/Family)
MedMutual Market HMO 4000 HSA4 Promedica
$4,000/$8,000
0%
$4,000/$8,000
Deductible
Deductible
Deductible
Promedica
MedMutual Market HMO 4000 HSA4,2 Promedica (200% - 250% FPL)
$3,000/$6,000
0%
$3,000/$6,000
Deductible
Deductible
Deductible
Promedica
MedMutual Market HMO 4000 Promedica2 ** (150% - 200% FPL)
$1,250/$2,500
0%
$1,250/$2,500
Deductible
Deductible
Deductible
Promedica
MedMutual Market HMO 4000 Promedica2 ** (139% - 150% FPL)
$500/$1,000
0%
$500/$1,000
Deductible
Deductible
Deductible
Promedica
$6,000/$12,000
0%
$6,000/$12,000
Deductible
Deductible
Deductible
Promedica
HMO On Exchange Plans
MedMutual Market HMO 6000 HSA4 Promedica
Individual Private Marketplace (Off exchange) Plans sold off the exchange do not qualify for a subsidy. The values below are for in-network services only 1. Services outside of the exclusive network are not covered, except for emergency services.
Deductible* (Single/Family)
HMO Off Exchange Plans
Coinsurance
Maximum Out of Pocket 3 (Single/Family)
Office Visit Copay PCP/ Specialist Urgent Care
ER Copay5
Prescription Drugs Generic/ Pref Brand/ Non Pref Brand and Specilaty
Provider Network
These plans are only available to individuals who live in Lucas, Wood, Butler, Clermont and Hamilton counties only. Members choosing these plans only have access to Mercy Health providers. MedMutual HMO 1750 Mercy
$1,750/$3,500
25%
$6,850/$13,700
$30/$60 then 25%
$300/25%
$30/$60/50%6 30-day supply
Mercy Health
MedMutual HMO 4000 HSA4 Mercy
$4,000/$8,000
0%
$4,000/$8,000
Deductible
Deductible
Deductible
Mercy Health
MedMutual HMO 6000 HSA Mercy
$6,000/$12,000
0%
$6,000/$12,000
Deductible
Deductible
Deductible
Mercy Health
4
These plans are only available to individuals who live in Lucas and Wood counties only. Members choosing these plans only have access to Promedica providers. MedMutual HMO 1750 Promedica
$1,750/$3,500
25%
$6,850/$13,700
$30/$60 then 25%
$300/25%
$30/$60/50%6 30-day supply
Promedica
MedMutual HMO 4000 HSA4 Promedica
$4,000/$8,000
0%
$4,000/$8,000
Deductible
Deductible
Deductible
Promedica
MedMutual HMO 6000 HSA4 Promedica
$6,000/$12,000
0%
$6,000/$12,000
Deductible
Deductible
Deductible
Promedica
This is only a summary of benefits and copayments, coinsurance and deductibles. For a complete list of benefits please refer to the benefit certificate. Pediatric dental is embedded in all off exchange plans. *All plans have an embedded deductible. Any combination of family members may satisfy the family deductible. However, if one family member meets their individual deductible, services will begin to pay for that particular family member. Any combination of family members may satisfy the family out of pocket, and services will begin to pay at 100 percent. However, if one family member meets their individual amount, services will begin to pay at 100 percent for that particular family member. **This plan does not qualify as an HSA product. Specialty Drugs will have a 30 day mail order limit for all products. Footnotes 1. In-network services include providers, hospitals and facilities where Medical Mutual has negotiated rates for the designated networks. 2. Members may be eligible for the cost share subsidy plan designs. The federal government determines eligibility based on household size, income and Federal Poverty Level (FPL) of the applicant. 3. MOOP represents the maximum out of pocket and includes deductibles, copays and coinsurance. 4. Health Saving Accounts (HSA) are an investment account that can be drawn from to pay out-of-pocket healthcare expenses. 5. Non-emergency use of the emergency room is not covered. 6. The retail copay for the non-preferred brand and specialty tiers is 50 percent up to a $350 maximum per script. Mail order copay for non-preferred brand is 50 percent up to a $1,050 maximum per script. Mail order specialty drugs will have a 30-day supply and are subject to a 50 percent coinsurance up to a $350 max/script. The copay for mail order generic and preferred brand drugs is three times the retail amount.
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Why Choose Medical Mutual We’re an Ohio Company Medical Mutual is the largest health insurance company headquartered in Ohio and serves more than 1.5 million Ohioans. We treat our customers like neighbors, because they usually are. When you call Medical Mutual, you speak directly to local Customer Care representatives. With 80 years in the Ohio health insurance business, you can be confident we’ll be here when you need us. We’re a Mutual Company
Check the Network
Being a mutual company means we focus on
The Medical Mutual SuperMed® network of
our members and not shareholders or stock
doctors and hospitals is one of the largest
analysts. We are owned by our members, so
health insurance provider networks in Ohio.
we put them at the center of our business.
Using in-network doctors and hospitals
We use our resources for their benefit and
means lower costs for you. Because of our
to invest in the Ohio communities where we
large network, you have a better chance of
live and work.
keeping the doctor and hospital you like.
MedMutual.com/mutual
MedMutual.com/checkthenetwork
Contact your broker to learn more.
© 2015 Medical Mutual of Ohio Z8067-IHP 10/15
