Affordable Ohio Health Insurance Plans

(888) 513-6446

Compare and Save

By:

Compare and easily enroll in a Medical Mutual individual or family health insurance plan. View customized 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, Wayne, Stark, Geauga, Lake, Medina, Portage, and Summit.

Dayton HMO - Available in the following counties: Darke, Miami, Preble, Montgomery, Greene, and Warren.

 

Regardless if you need benefits for a few months or 20 years, our expert advice will help you choose 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 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 have ranked MM the highest of all Ohio carriers in "customer satisfaction."  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 most area hospitals and medical facilities.

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 $7,900, and maximum out-of-pocket expenses are also $7,900 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 low, since deductibles and out-of-pocket maximums are higher than other tiers.

HMO 7900 - $50 copay for the first three primary-care physician (pcp) visits, although specialist visits must meet policy deductible. $7,900 deductible with maximum out-of-pocket expenses of $7,900 and 0% coinsurance. Similar to "catastrophic" plan option, but Bronze-tier plans are eligible for federal subsidies.

HMO 6750 HSA - HSA-eligible plan with $6,750 deductible, $6,750 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 $5,250 deductible with $6,750 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. Deductible applies to all tiers.

 

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 6500 - $30 and $60 office visit copays (no limit) with a $60 Urgent Care visit copay. The ER copay is $350. $6,500 deductible with maximum out-of-pocket expenses of $7,900 and 30% coinsurance. The Tier 1 drug copay is $150 ($45 three-month home delivery), and the Tier 2 drug copay is $45 ($135 three-month home delivery). Tier 3 and Specialty drugs are subject to 50% coinsurance.

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. The ER copay is $300. $3,500 deductible with maximum out-of-pocket expenses of $7,900 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 2200 - $30 copay for the first three primary-care physician (pcp), $50 copay for the first three Urgent Care visits, and $90 copay for the first three specialist visits. The ER copay is $350. $2,200 deductible with maximum out-of-pocket expenses of $7,900 and 30% coinsurance. The Tier 1 drug copay is $30 ($90 three-month home delivery), and the Tier 2 drug copay is $60 ($180 three month home delivery). Tier 3 and Specialty drugs are subject to 50% coinsurance.

 

Gold Tier

HMO 2000 - $25 and $75 office visit copays with no maximum limit. Urgent Care copay is $75 and ER copay is $300. $2,000 deductible with maximum out-of-pocket expenses of $7,900 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.

 

Sample Monthly Rates

 

Cuyahoga County - 30-Year-Old ($27,000 Income)

$147 - Market HMO 7900

$158 - Market HMO 6750 HSA

$192 - Market HMO 5250 HSA

$263 - Market HMO 6500

 

Franklin County - 40-Year-Old ($30,000 Income)

$130 - Market HMO 7900

$143 - Market HMO 6750 HSA

$182 - Market HMO 5250 HSA

$259 - Market HMO 6500

 

Hamilton County - 35-Year-Old Married Couple And One Child ($45,000 Income)

$165 - Market HMO 7900

$197 - Market HMO 6750 HSA

$294 - Market HMO 5250 HSA

$486 - Market HMO 6500

 

Montgomery County - 45-Year-Old Married Couple And Two Children ($55,000 Income)

$161 - Market HMO 7900

$203 - Market HMO 6750 HSA

$333 - Market HMO 5250 HSA

$593 - Market HMO 6500

 

Summit County - 55-Year-Old Married Couple ($40,000 Income)

$210 - Market HMO 7900

$256 - Market HMO 6750 HSA

$399 - Market HMO 5250 HSA

$690 - Market HMO 6500

 

 

"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. $6,750 and $5,000 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%.

 

Medical Mutual Senior Medicare Plans And Rates

 

Medicare Supplement Coverage - Monthly Rates  Age 65

Plan A - $82.95

Plan C - $137.00

Plan F - $137.50

Plan F (High Deductible) - $54.50

Plan G - $102.00

Plan N - $97.50

 

Medicare Supplement Coverage - Monthly Rates  Age 70

Plan A - $109.45

Plan C - $180.75

Plan F - $181.41

Plan F (High Deductible) - $71.91

Plan G - $134.58

Plan N - $128.64

MedMutual Supplement Plus is also available. This option combines dental, vision, and hearing benefits into one convenient plan. The monthly cost is $28, and coverage can be added to new or existing plans. Once the electronic application is completed, the coverage can be added. Accident and critical illness coverage can also be added.

 

MedMutual Medicare Advantage Plans (Rates Can Vary In Different Counties)

 

MedMutual Advantage Classic - $0 monthly rate with $160 deductible. $5 and $45 office visit copays and $45 and $90 Urgent Care and ER copays. $375 outpatient hospital copay, diagnostic tests and procedures copay of $0-$10, and lab services copay of $0-$10. Tier1, Tier 2, and Tier 3 prescription drug copays are $0, $15, and $42.

MedMutual Advantage Choice - $38 monthly rate with $55 deductible. $0 and $40 office visit copays and $40 and $90 Urgent Care and ER copays. $350 outpatient hospital copay, diagnostic tests and procedures copay of $0-$10, and lab services copay of $0-$10. Tier1, Tier 2, and Tier 3 prescription drug copays are $0, $10, and $42.

MedMutual Advantage Select - $38 monthly rate with $160 deductible. $10 and $45 office visit copays and $45 and $90 Urgent Care and ER copays. $375 outpatient hospital copay, diagnostic tests and procedures copay of $0-$10, and lab services copay of $0-$10. Tier1, Tier 2, and Tier 3 prescription drug copays are $0, $15, and $42.

MedMutual Advantage Preferred - $74 monthly rate with $55 deductible. $5 and $40 office visit copays and $40 and $90 Urgent Care and ER copays. $375 outpatient hospital copay, diagnostic tests and procedures copay of $0-$10, and lab services copay of $0-$10. Tier1, Tier 2, and Tier 3 prescription drug copays are $0, $10, and $42.

MedMutual Advantage Plus - $99 monthly rate with $55 deductible. $0 and $25 office visit copays and $25 and $120 Urgent Care and ER copays. $195 outpatient hospital copay, diagnostic tests and procedures copay of $0-$10, and lab services copay of $0-$10. Tier1, Tier 2, and Tier 3 prescription drug copays are $0, $10, and $42.

MedMutual Advantage Premium - $119 monthly rate with $55 deductible. $0 and $30 office visit copays and $30 and $120 Urgent Care and ER copays. $295 outpatient hospital copay, diagnostic tests and procedures copay of $0-$10, and lab services copay of $0-$10. Tier1, Tier 2, and Tier 3 prescription drug copays are $0, $10, and $42.

MedMutual received an overall 3.5 Star Rating from Medicare for its plans. SilverSneakers, Home Meals, and Disease Management Programs are included along with a 24-hour nurse line and quit line for tobacco users. Before enrolling, applicants should determine if they prefer an HMO or PPO, select a network provider, review formulary medications, select a primary-care physician, and find available network pharmacies.

 

"Short-Term" Policies

 

Short-term insurance is very inexpensive. This type of coverage is most appropraite when benefits are needed for less than one year. Deductible options of $1,000, $2,500, and $5,000 are offered. The maximum lifetime benefit is $1 million. Pcp, specialist, preventative visits, allergy testing, diagnostic services, and Urgent Care visits are covered with 20% coinsurance after the deductible is met. $500 of prescription drug benefits are also provided.

Medical Mutual's short-term plans tend to be more expensive than other carriers. 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.

 

Sample MM temporary monthly rates are shown below. Prices are for a 40-year-old male.

 

Franklin County - $112

Montgomery County - $109

Clark County - $109

Hamilton County - $121

Butler County - $121

Cuyahoga County - $111 

Summit County - $100 

Mahoning County - $92 

Stark County - $93

Lucas County - $103

 

Affordable dental plans with comprehensive benefits in Ohio. Instantly view rates and benefits.

 

 

Medical Mutual Dental Insurance For Individuals And Families 

 

Comprehensive and basic dental coverage is available at affordable rates. The DenteMax network features more than 2,000 dentists, so a primary dentist does not need to be selected. Seniors can utilize either Medicare or their own private plan.

 

 

Plan 1- $21.26 per month. $100 deductible with $1,000 maximum benefit (unlimited if under age 19). In-network oral exams, bite wing x-rays, and prophylaxis cleaning (two per benefit period) covered at 100%. One sealant allowed every 36 months per tooth. Consultations, specialist exams, diagnostic x-rays, amalgam and composite fillings, minor restorative services, repairs, simple extractions, impactions, minor oral surgery, and general anesthesia are covered with 70% coinsurance after the deductible (50% under age 19).

 

Inlays, pulp and periodontal services, crowns (every five years), partial and complete dentures, bridgework, and endodontics are covered with 70% coinsurance after the deductible (50% under age 19). Adult orthodontia is not covered. Under age 19 orthodontia has a $100 deductible and 50% coinsurance for diagnostic services, minor treatments, and interceptive and comprehensive orthodontic treatment.

 

Plan 2- $27.32 per month. $100 ($50 if over age 19) deductible with $1,000 maximum benefit (unlimited if under age 19). In-network oral exams, bite wing x-rays, and prophylaxis cleaning (two per benefit period) covered at 100%. One sealant allowed every 36 months per tooth. Consultations, specialist exams, diagnostic x-rays, amalgam and composite fillings, minor restorative services, repairs, simple extractions, impactions, minor oral surgery, and general anesthesia are covered with 80% coinsurance after the deductible (70% under age 19).

 

Inlays, pulp and periodontal services, crowns (every five years), partial and complete dentures, bridgework, and endodontics are covered with 50% coinsurance after the deductible. Adult orthodontia is not covered. Under age 19 orthodontia has a $100 deductible and 50% coinsurance for diagnostic services, minor treatments, and interceptive and comprehensive orthodontic treatment.

 

Plan 3- $17.80 per month. $100 ($50 if over age 19) deductible with $1,000 maximum benefit (unlimited if under age 19). In-network oral exams, bite wing x-rays, and prophylaxis cleaning (two per benefit period) covered at 100%. One sealant allowed every 36 months per tooth. Consultations, specialist exams, diagnostic x-rays, amalgam and composite fillings, minor restorative services, repairs, simple extractions, impactions, minor oral surgery, and general anesthesia are covered with 70% coinsurance after the deductible (under age 19). Composite or amalgam fillings covered at 70% after the deductible (age 19 and over).

 

Inlays, pulp and periodontal services, crowns (every five years), partial and complete dentures, bridgework, and endodontics are covered with 50% coinsurance after the deductible (under age 19). Adult orthodontia is not covered. Under age 19 orthodontia has a $100 deductible and 50% coinsurance for diagnostic services, minor treatments, and interceptive and comprehensive orthodontic treatment.

 

 

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. Regardless if you are without coverage, only need temporary benefits, or are shopping for Medicare coverage, we can help you.

 

 

Accident And Critical Illness Coverage

 

 

Cash benefits are provided from these types of plans. Bills, policy deductibles and copays, and other expenses can be used with Accident and Critical Illness plans. All family members are eligible, although pre-existing conditions are not covered. Applicants must be 18-64 years old, and dependent children must be less than age 26.

 

The policy is guaranteed-issue with no medical underwriting. Stand-alone coverage is accepted and  the cash benefit has no restrictions. Sample monthly rates below:

 

Accident 2000 ($2,000 of medical expenses)

 

Ages 20-24 - $9.60

Ages 30-34 - $9.12

Ages 40-44 - $9.02

Ages 50-54 - $9.70

 

Accident 6000 ($6,000 of medical expenses)

 

Ages 20-24 - $15.13

Ages 30-34 - $14.37

Ages 40-44 - $14.22

Ages 50-54 - $15.28

 

Accident Plus 6000 ($6,000 of medical expenses plus $7,500 critical illness)

 

Ages 20-24 - $16.42

Ages 30-34 - $17.31

Ages 40-44 - $21.25

Ages 50-54 - $29.34

 

 

PAST UPDATES 

 

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 vision 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.

 

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.

 

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.

 

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