Affordable Ohio Health Insurance Plans

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Compare and easily enroll in a Medical Mutual individual or family health insurance plan. View customozed Marketplace policies that provide quality benefits at the lowest possible rates. Senior MM Medigap plans are also offered. Supplements, Advantage, and Part D prescription coverage is available to applicants that have reached age 65.  "Off-Exchange" plans are also offered.

Medical Mutual of Ohio is one of the Buckeye State's oldest health insurance companies. Established in 1934, this non-profit carrier offers affordable medical coverage to single persons, students, families and small or large business owners. Their rates are the most competitive of all of the large insurers. Until the Affordable Care Act was passed, they also offered high-risk plans through the state risk pool.

We help you find the policy that best covers your personal needs at the lowest available rate. We review and service MM policies, and provide carrier-direct prices. It is not possible to get a lower rate through the insurer, another broker, or the Marketplace Exchange. Additional coverage is available for large and small employers, and ancillary products, including dental and vision benefits.

 

Medical Mutual Of Ohio Provider Networks

OhioHealth HMO Network - Available in the following counties: Athens, Crawford, Delaware, Fairfield, Franklin, Hardin, Hocking, Knox, Licking, Marion, Morrow, Pickaway, Richland, and Union.

ProMedica HMO Network - Available in the following counties: Wood and Lucas.

Mercy HMO Network - Available in the following counties: Allen, Auglaize, Brown, Butler, Champaign, Clark, Clermont, Columbiana, Defiance, Fulton, Hamilton, Hancock, Henry, Huron, Lorain, Lucas, Mahoning, Mercer, Putnam, Seneca, Trumbull, and Wood.

Northeast Ohio HMO Network - Available in the following counties: Ashland, Ashtabula, Cuyahoga, Geauga, Lake, Medina, Portage, and Summit.

 

Regardless if you need benefits for a few months or 20 years, our expert, but unbiased advice will help you pick out the most appropriate policy and quickly obtain coverage. If it is during Open Enrollment or a "Special Enrollment Period," you will be eligible for large federal subsidies that could drastically reduce your premium.

We will also provide the free information that MM offers customers, such as fitness tips, preventive benefit information, nutrition and dieting advice, and wellness/lifestyle advice that may help you relax and reduce stress.

Highest Ranking

J.D. Power and Associates ranked MM the highest of all Ohio carriers in "customer satisfaction" for 2015. Claims, benefits and policy choices for customers were also considered in the extensive study. More than 100 plan designs in 18 states were considered in the research. Their Consumer Reports ranking was also very favorable.

Exchange plans (both on and off) are very popular with Buckeye residents. High-deductible and comprehensive options utilize one of the most extensive provider networks in the state, including accessibility to the Cleveland Clinic, one of the finest medical facilities in the world. Shown below are the Ohio Health Exchange Metal Options.

 

"Catastrophic" Policies

View the cheapest Medical Mutual health insurance plans for individuals and buy online.


Catastrophic plans are available to persons under age 30 that want basic major medical coverage. A federal subsidy does not apply so household income is not a factor. Persons that don't meet the age requirement, can attempt to prove "financial hardship" to become eligible.

HMO Young Adult Essentials - $40 copay for the first three primary-care physician (pcp) visits, although specialist visits must meet policy deductible. Deductible is $7,350, and maximum out-of-pocket expenses are also $7,350 with 0% coinsurance. Prescription drugs and other covered expenses are paid at 100% after deductible has been met.

 

Bronze Tier

These plans are the least expensive "Metal-Tier" contracts and are eligible for federal subsidies. Typically, premiums remain fairly low, since deductibles and out-of-pocket maximums are higher than other tiers.

HMO 7350 - $50 copay for the first three primary-care physician (pcp) visits, although specialist visits must meet policy deductible. $7,350 deductible with maximum out-of-pocket expenses of $7,350 and 0% coinsurance. Similar to "catastrophic" plan option, but Bronze-tier plans are eligible for federal subsidies.

HMO 6400 HSA - HSA-eligible plan with $6,400 deductible, $6,400 maximum out-of-pocket expenses, and 0% coinsurance. HDHP-approved, tax-deductible deposits can be used to pay for qualified medical, dental, and vision expenses.

HMO 5250 HSA - HSA-eligible plan with $5,200 deductible with $6,650 maximum out-of-pocket expenses. HDHP-approved, tax-deductible deposits can be used to pay for qualified medical, dental, and vision expenses. The Tier 1 drug copay is $40 ($120 three-month home delivery), and the Tier 2 drug copay is $80 ($240 three month home delivery). Tier 3 and Specialty drugs are subject to 50% coinsurance.

 

Silver Tier

The Silver tier is the only group of plans that offer "cost-sharing," which can potentially reduce your deductible and/or out-of-pocket expenses by thousands of dollars. Your Federal Poverty Level (FPL) household income ratio determines eligibility.

HMO 4000 HSA - HSA-eligible plan with $4,000 deductible, $4,000 maximum out-of-pocket expenses, and 0% coinsurance. HDHP-approved, tax-deductible deposits can be used to pay for qualified medical, dental, and vision expenses.  Households with income less than 200% FPL may not be able to utilize the HSA designation.

HMO 3500 - $25 copay for the first three primary-care physician (pcp), $50 copay for the first three Urgent Care visits, and $75 copay for the first three specialist visits. $3,500 deductible with maximum out-of-pocket expenses of $7,350 and 30% coinsurance. The Tier 1 drug copay is $20 ($60 three-month home delivery), and the Tier 2 drug copay is $40 ($120 three month home delivery). Tier 3 and Specialty drugs are subject to 50% coinsurance.

HMO 2000/30 - $25 copay for the first three primary-care physician (pcp), $50 copay for the first three Urgent Care visits, and $75 copay for the first three specialist visits. $3,500 deductible with maximum out-of-pocket expenses of $7,350 and 30% coinsurance. The Tier 1 drug copay is $20 ($60 three-month home delivery), and the Tier 2 drug copay is $40 ($120 three month home delivery). Tier 3 and Specialty drugs are subject to 50% coinsurance.

HMO 2400 - $2,400 deductible with maximum out-of-pocket expenses of $7,350 and 20% coinsurance. All non-preventative expenses are subject to deductible and coinsurance.

 

Gold Tier

HMO 2000/30 - $25 and $75 office visit copays with no maximum limit. Urgent Care copay is $50 and ER copay is $300 (20% coinsurance  for other services). $2,000 deductible with maximum out-of-pocket expenses of $7,350 and 20% coinsurance. The Tier 1 drug copay is $20 ($60 three-month home delivery), and the Tier 2 drug copay is $40 ($120 three month home delivery). Tier 3 and Specialty drugs are subject to 50% coinsurance.

 

"Health Savings Account (HSA) Compatible"

HSAs combine quality healthcare with favorable tax benefits and investment choices. An MM HSA works like an IRA, except money deposited in the savings portion can be used to pay for approved medical, dental and vision expenses. There is a wide range of deductibles with an HSA, and  preventative coverage is not subject to a deductible. Accumulated savings can be rolled over to the next year.

Find cheap HSA Medical Mutual Ohio coverage for families and individuals

Generally, MM HSAs cost less than similar policies from most other carriers. Anthem BC is usually more expensive, but UnitedHealthcare (Group) and Ambetter often feature lower prices. $6,000 and $4,000 are the most common deductible options.

HSA plans provide 100% coverage for specified medical expenses after the deductible. However, prior to the deductible being met, "network repricing" reduces your out-of-pocket expenses. Also, adult and child preventive benefits, such as routine physicals, routine mammograms, routine pap tests, well-child care exams, and well-child immunizations are covered at 100%.

 

"Short-Term" Policies

 

Short-term insurance is very inexpensive. This type of coverage is nearly perfect when benefits are needed for less than one year. Office visits (illness or injury) are covered with a $25 copay. Medical Mutual's short-term plans tend to be more expensive than other carriers. However, their coverage is also more extensive than many other companies.

 

UnitedHealthcare and other smaller carriers (such as HCC) are usually less costly if you only need temporary benefits. However, we advise choosing a recognized and established carrier with the larger provider networks.

 

We are committed to finding our clients the highest-quality policy at the most affordable rate. We include Medical Mutual in our quote engine, but also consider many other companies. And that's what you want -  a completely independent resource that tells you what's best for you.

 

PAST UPDATES 

 

June 2015 - VSP (Vision Savings Pass) will again be included on all individual and group plans for 2016. The plan offers discount on many common services such as glasses, sunglasses, contact lens exams, frames, and laser vision correction. Also, a wellvision exam will only cost $50 when accompanied with a purchase of prescription glasses.

 

There is no limit to the number of times the plan can be used, and rebates and unique offers will also be made available. VSP providers are located throughout the state and offer many different popular brands.

 

August 2015 - Many MM policyholders may be receiving letters from "My Money Monitor," a company that uses state public unclaimed  funds information. Typically, they notify consumers and charge a fee to release the specific information. The company is located in Bakersfield, California.

 

However, Medical Mutual customers, if contacted, can call the Ohio Department of Commerce and receive the payment information free. Their number is (877) 644-6823.

 

October 2015 - The SiverSneakers fitness program will now be included on Medical Mutual's Medicare Supplement plans. There will be no extra premium increase for this benefit. Thousands of fitness centers are available that offer services including Yoga, walking groups, swimming, social events, and educational activities.

 

May 2017 - Both PPO and HMO Medicare Advantage contracts are available. The 2018 Senior Open Enrollment period will begin October 15th and end on December 7th.