Affordable Ohio Health Insurance Plans

(888) 513-6446

Compare and Save

Medical Mutual of Ohio Health Insurance Rates

Medical Mutual of Ohio offers extremely competitive health insurance rates in Ohio.  Although comprehensive plans are the most popular Medical Mutual plan, Health Savings Accounts have been growing in popularity every year. Short term options along with both on and off-Marketplace contracts are also commonly purchased, especially immediately before, after and during Open Enrollment.

About MM

Meet Medical Mutual, one of the country’s oldest and most trusted insurance companies. The carrier is more than 80 years old and insures more than 4 million customers. With more than $2 billion in annual revenue, this company is financially secure. In fact, they were originally chosen to handle Ohio’s high risk pool under the nation’s original healthcare reform program. Of course, after the passage of the Affordable Care Act, this program was no longer needed.

MM is also the biggest and oldest carrier domiciled here in the Buckeye state. Headquartered in Cleveland, they are one of the few companies that includes the Cleveland Clinic in their provider network. They offer policies throughout the entire state. Whether you reside in the Northern portion of the state (Cuyahoga or Lake Counties), or the Southern portion (Hamilton or Butler Counties), coverage is available.


Medical Mutual is a popular carrier choice for individuals and business owners, but does not always offer the most competitive rate in all areas of the state. Generally, in the Northern part of Ohio (Akron, Canton, Cleveland etc…), Medical Mutual rates are fairly low. In parts of Southwestern Ohio, their rates are also  among the lowest in the area. For most other areas, including Columbus, Toledo, and Dayton, the low-cost Ohio HSA contract (especially the Market 2000) is priced very competitively.

Their Exchange plans (both on and off) are popular to individuals that prefer a high-deductible option (perhaps $4,000 deductible) that is HSA-eligible. Many of their long-term policyholders own “grandfathered” plans that have been in force since 2010 or earlier. Although they don’t meet all  ACA Legislation guidelines, they are allowed to remain in force as long as know substantive changes are made to the policy.

Ohio Medical Mutual Exchange Quote

Medical Mutual Bronze-Tier Plans Save Money

Popular 2015/2016 MM Plans

Catastrophic Tier

Market Young Essentials – $40 copay for primary care physician (pcp) office visits. $6,600 deductible.

Bronze Tier

Market HSA 6000 – Least expensive Bronze plan. HSA-eligible so very popular with healthy households.

Market HSA 4000 – Similar to previous plan with lower ($4,000) deductible. However, coinsurance is 30% (instead of 0%) and maximum out-of-pocket expense is higher ($6,450 instead of $6,000).

Market Classic 5000 – $5,000 deductible with 40% coinsurance. $6,600 maximum out-of-pocket expense.

Silver Tier

Market Classic 2000 – $2,000 deductible with 20% coinsurance. Very straightforward.

Market HSA 3000 – $3,000 deductible with no coinsurance. HSA-eligible.

Gold Tier

Market HSA 2000 – Similar to other MM HSAs, but with a lower deductible.

Market Classic 1000 – $1,000 deductible with office visit copays of $25 and $50. Brand-name prescriptions do not have to meet a deductible. Only a $30 copay applies ($15 for generic drugs).

Dental And Vision

Ancillary  coverage, such as dental and vision benefits can be purchased separately, or often added as riders when you are enrolling for medical coverage. Since there are no legislative mandates, limitations on major procedures and possible waiting periods may apply to plans.

Dental Options

Three plans are available (Individual Plans 1,2, and 3). Deductibles range from $50 to $100 and the maximum benefit per period (for each member) is $1,000. Preventive services are covered at 100%, and a six-month waiting period applies to some basic services.

Major services have a 12-month waiting period on Plans 1 and 2, but are not covered on Plan 3. Pediatric plans are also offered, although benefits and pricing are different. Stand-alone plans are offered to any child age 18 or under. Selecting a primary dentist is not necessary and you can utilize both in and outside network providers.

Vision Options

Copayments are only $15 (waived if under age 19), with benefits provided for single, bifocal, trifocal, and  lenticular frames. Extended-wear disposable and daily-wear disposable contact lenses are included (up to $130 for adults). Conventional and medically-necessary contacts are also covered.


We specialize in finding the company the offers the most affordable rates while at the same time, featuring coverages that meet your current needs. MM is not always the perfect fit for your needs, so we may recommend other carriers, such as UnitedHealthcare, SummaCare, Aetna, Anthem Blue Cross, or Humana.

If you need help with finding the best health insurance rate in Ohio, feel free to email  us or click on the “Get Instant Quote” button at the top of the page.


November 2010. Medical Mutual rates are still very competitive. HSA rates in the Cincinnati area are now among the best in the state. Of course, health reform now requires HSAs to offer preventive benefits with no copays and no deductibles.

April 2015. Wow. That was a long time between updates! I assure you that we won’t wait five years next time.  Of course, since there is no longer medical underwriting on Marketplace/Exchange plans, applicants are guaranteed to be approved, unless there are residency or citizenship issues. But it is more important than ever to beware of Open Enrollment deadlines, so opportunities aren’t missed.

However, if you are presently uncovered, there are a few available plans that can provide major medical (catastrophic) benefits until the next Open Enrollment period in November. If you are currently covered by an existing MM plan, then you can keep or exchange the policy for a different contract during the OE period. If your health or household income has dramatically changed within the last 24 months, reviewing your options is very important.

Be Sociable, Share!
Tags: , Posted by

Comments are closed.