MMO offers several deductible, copay and coinsurance options. Young Essentials, Bronze, Silver & Gold medical plans compliant with the Affordable Care Act are available both on and off the federal exchange. Tax-credits are only available on the exchange, however. We help our clients navigate plans both on and off the Marketplace.
Medical Mutual is unique as they offer the same provider networks when you enroll on the federal (Obamacare) exchange. This is different from many of their competitors who have smaller networks. Unfortunately, many people find their doctors don’t accept tax-subsidized plans purchased through the exchange.
It’s worth noting that non-subsidized plans sold off the Marketplace are less expensive than comparable plans sold on the Marketplace with no tax-credit. Contact us to compare both to make sure you’re not overpaying on your chosen MMO health policy.
Like all carriers, Medical Mutual offers health insurance that can be coupled with tax-qualified health savings accounts. HSA qualified plans are popular as they offer lower premiums. Policyholders must cover more of the incidental expenses in return. HSA contributions can be written off against your income taxes and withdrawn tax-free for qualified medical expenses.
Medical Mutual also offers comprehensive Medicare Advantage plans in Ohio. Open Enrollment begins on October 15th and run through December 7th every year for a January 1 effective date.
Outside of this window, enrollees must be new to Medicare or experiencing another Special Enrollment Period. Policies are available in 80 of the 88 counties in Ohio.
Both HMO and PPO plans are offered in most areas of Ohio with some $0 HMO plans available in many counties.
There are no referrals needed on HMO plans, low out of pocket maximums, comprehensive Part D drug coverage, free Silver Sneakers gym membership, and dental & vision available on all plans. You’ll also have a large network of doctors and hospitals to choose from.
MMO offers traditional Medicare supplement plans across the entire state of Ohio. Plans A, C, G, F, High Deductible F, and N are available for purchase. Like all Medicare supplements, no referrals are necessary and you can see any doctor or hospital that accepts Medicare. There are no network restrictions with supplemental policies.
Rates are different for males and females, but the premiums are very competitive. All Supplemental plans also include Silver Sneakers at no additional cost.
You can add several ancillary benefits to your MMO health and Medicare plans. Most common are dental and vision plans. Both can be purchased separately on a stand alone basis. One plan does not need to be purchased to be eligible for the other. The dental and vision networks are some of the largest in Ohio.
Term life insurance is also available in $10,000 increments up to $50K. Children can only be enrolled in $10,000 plans. So long as the applicant(s) is accepted for a health plan, there will be no additional underwriting for life insurance coverage. Life policies can stay in force up to age 65 so long as the health plan also remains in-force.
Medical Mutual boasts the largest network of doctors and hospitals in Ohio. For applicants who travel extensively, MMO has access to large nationwide networks in case of emergency.
Network options have changed for individual and family health plans. Depending on where you live, you’ll either have an HMO or PPO plan available. Not all counties are served. Please contact us if you are having trouble finding coverage your doctor accepts.
In some cases, another insurance company might fit you better. The ACA shrunk networks in many places, so don’t assume your doctor accepts all plans.
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 of certain organizations like COSE or a local Chamber of Commerce.
There are also MEWA group plans to consider. These policies are medically underwritten, but offer lower rates for those who qualify. Groups with healthier members will most benefit from a MEWA policy.
We offer group insurance from Medical Mutual as well as many others. We’ll help you compare plans and find the coverage that best protects you and your employees. Contact us here to inquire about group health insurance rates and enrollment.
Hyers and Associates, Inc. is an independent health insurance agency. We offer coverage in the individual, family, group and Medicare markets. We quote all plans direct from Medical Mutual. Contact us today for more information.