Medical Mutual Health Insurance
Medical Mutual is a regional carrier specializing in individual, family and group health insurance coverage. They also offer life, dental, vision and maternity coverage as ancillary benefit options.
For their agents, they have created web portals that allow individuals and families to purchase medical insurance direct with or without broker assistance. Group health plans will still need to be quoted using paper applications and census forms.
Medical Mutual of Ohio Individual And Family Plans
MMO offers a wide array of coverage options that can be tailored by the insured in order to find the benefits that best meets his or her needs and budget. There are a wide range of deductible, copay and coinsurance options to choose from.
Like all carriers, Medical Mutual also offers health savings account qualified plans. Due to their tax advantages, HSA type plans have grown in popularity with families who would rather self-insure for minor expenses while using the plan itself for the potential of more costly events.
Ancillary Benefits And Optional Coverage
Medical Mutual offers several benefit options that can be added to all of their health insurance plans. The most common coverage option for individuals and families is dental and vision plans. Both can be purchased separately (on a stand alone basis) or added to any health plan. One plan does not need to be purchased to be eligible for the other.
Term life insurance is also available to all accepted health applicants in amounts of $10, $20, $30, $40 or $50 thousand dollar increments. Children can be enrolled in $10,000 plans. So long as the applicant(s) is accepted for a health plan, there will be no further underwriting for the life insurance coverage. Life plans can stay in force up to age 65 so long as the health plans remain in-force.
Maternity coverage is offered as an ancillary benefit, but must be purchased along with a qualifying health plan. Maternity coverage cannot be added to a HSA type plan or any of the “Value Plan” coverage options. There is a 9 month waiting period to conceive in Ohio – not to deliver. The insured cannot already be pregnant and apply for coverage however.
SuperMed One And Farm Bureau Insurance Networks
Medical Mutual boasts the largest network of doctors and hospitals in all of Ohio. Health plans are sold in several states outside of Ohio as well. For applicants who travel extensively, MMO has rented nationwide networks that will provide coverage across the United States.
SuperMed One is the most common network for individual, family and group coverage and the most extensive. Doctors and hospitals can be found online through any traditional network search. If in doubt, it’s a good idea to ask your family doctor if he or she accepts MMO before purchasing a plan.
A second option is for those who are already enrolled or new members to the Ohio Farm Bureau. There is a small annual cost to become a member of the OFB. These plans offer slightly different benefit options than those affiliated with the SuperMed One Network. Typically medical underwriting is a little less stringent through the Ohio Farm Bureau because it is a large group.
Ohio Group Health Insurance From Medical Mutual
Businesses of all sizes are eligible for group coverage in Ohio with MMO. There are several coverage options to choose from and most are competitively priced. Group discounts are available for those who are members or affiliates of certain organizations like COSE and/or a local Chamber of Commerce.
Group quotes cannot be found through online portals like those for individual and family plans. Interested groups need to Contact Us Here for group health insurance plans with Medical Mutual. We can help quote MMO as well as several other reputable carriers.
Request MMO Quotes, Coverage And Service
Hyers and Associates, Inc. is an independent health insurance agency offering coverage in the individual, family, and group markets. We quote all plans direct from MMO, so you will not find better rates for the same coverage either online or in person. Contact us today for more information.