Medical Mutual Of Ohio has introduced two new plans. The “Elite” and “Premium” copay plans are now available to Buckeye State residents. We offer Medical Mutual policies to families, individuals, and small businesses. We help you determine which plan will cover the benefits that are most important to you. You can apply direct, through an online link, or we can assist you when you enroll for coverage (you never pay any fees).
The “Elite” and “Premium” plans offer copay coverage (not subject to a deductible) for office visits, specialist visits and Urgent Care visits. Routine physical exams, Well-Child services and Well-Child exams are also not subject to a deductible. Prescription benefits are included, and there is no lifetime cap on claims that are paid for covered benefits. This plan compares quite favorably to UnitedHealthOne’s Copay Select and Anthem’s Premier policies. Rates depend on county of residence, age, tobacco use, and existing medical conditions.
Popular Plan For Families With Children
These types of policies are very popular in households that have at least two small children. Because you are most likely to have multiple non-preventive office visits, it’s important to pay a low amount for these charges. However, for households that have very few medical expenses, a catastrophic or HSA plan may be a better choice. Medical Mutual, Anthem and UnitedHealthcare offer competitively-priced high-deductible plans.
Additional covered benefits for the Medical Mutual Of Ohio “Elite” and “Premier” plans include inpatient and outpatient services, mental health and substance abuse coverages, home health care and diagnostic services. Optional rider options include prescription benefit upgrade, maternity, dental and vision, and life insurance. Deductibles and copays will vary, depending on the plan. All policies utilize a provider network. Details regarding availability of doctors and hospitals can be found here.
We can review your specific situation to determine if any of the optional riders are worth considering. Maternity rates are very high on these two plans, so if that coverage is desired, we recommend a Humana or Anthem policy. However, a waiting period may be imposed along with a special deductible. And of course, any person (or their spouse) that is pregnant at the time the application is submitted, will be rejected.
Medical Mutual individual health insurance rates appear to be the most competitive in the Cincinnati area and in Northern Ohio. Of course, there are many other smaller pockets of the state where their rates may be quite competitive as well. For additional information, please call us at (888) 513 6446.
UPDATES:
January 2017 – Since the publication of this article, MM has revamped its portfolio (both Under-65 and Senior). You can view Medical Mutual health insurance plans on the main website. Coverage is available for persons under age 65 and Seniors.
