Group Health Insurance
Think differently about your health benefits
Ohio employers can offer innovative health and wellness coverage through Medical Mutual. Shop from small, midsize and large group health plan options that provide comprehensive provider networks and competitive benefits.
Small Group Health Plans
Small businesses can access affordable and differentiating health benefits for their employees. Choose from fully insured and level-funded plan options with robust benefits.
Midsize Group Health Plans
Health benefits designed exclusively for employers with 51-99 employees. Choose from fully insured and level funded options, including the first ever Reducing Deductible product from Medical Mutual.
Large Group Health Plans
Whether you have 100 or thousands of employees, our large group health plans are completely customizable. We'll work with your broker to design plans that helps you meet specific goals. With a focus on better health outcomes and cost reduction, our large group tool kit just got much more competitive. Shop from a variety of plan design and wellness options.
Why Choose a Group Health Plan from Medical Mutual
Local
Ohio-based employees specialize in helping members navigate through the local health care system. Your employees can feel confident and understood by representatives from their own communities.
Being "Mutual" Matters
As a mutual company, we don’t have stockholders or pay dividends to investors. Our focus is on improving our plans so we can help our policyholders live healthier lives.
Exceptional Customer Service
Our commitment to excellence is evident, with 9 out of 10 members stating that Medical Mutual meets or exceeds their expectations. Additionally, our member loyalty is 21% higher than that of our competitors1 a testament to our dedication to outstanding member support.
Group Plan Features
Smart Shopper
All fully-insured and level-funded group plans are equipped with SmartShopper, an online tool that guides members to health care savings and enables cash rewards. SmartShopper will be rolling out the plans in the coming months.
Multi-policy Discount
Some of our plans offer premium credits when you add dental, vision or life coverage through Medical Mutual.
MedMutual Total HealthTM
Our new clinical standard, MedMutual Total Health, is available to make a difference in the health outcomes of employees. From the healthiest of employees, to those with more complex needs, our clinical team manages how our programs work together to maximize health and minimize costs.
Network Strength
We offer local and national network coverage with more than 12,000 primary care doctors, 46,000 specialists and 19,000 locations across Ohio, plus access to the Cigna Healthcare SM PPO network when travelling out-of-state.
Mutual Health Services
Our TPA, Mutual Health Services, unlocks flexibility, offering integration with 10 stop-loss carriers and 12 PBMs.
Advanced Pharmacy Benefit Management
More than 20 Medical Mutual pharmacists offer a layer of PBM oversight, working directly with patients' care teams to optimize clinical and cost effectiveness of prescriptions.
Comprehensive Benefits
Select benefits from a wide variety of insurance and wellness products available through Medical Mutual.
Dental
Give your employees dental coverage to smile about. Medical Mutual offers a wide range of dental plan options with access to our SDC national network, which includes more than 10,000 dental providers in Ohio and more than half a million access points nationwide.
Vision
Medical Mutual’s vision coverage is essential for a total employee benefits package. Vision benefits can improve employee health and productivity while lowering healthcare costs.
Life and Disability
Our Life and Disability insurance options give your employees financial protection and security to prepare for the unexpected. Medical Mutual provides a selection of high-quality plans with flexible cost-sharing options and comprehensive offerings for absence management through our subsidiary, MedMutual Life.
Accident, Critical Illness and Hospital Indemnity
With Medical Mutual, you can offer your employees benefits beyond health insurance that can make all the difference if the unexpected strikes. Our Accident, Critical Illness and Hospital Indemnity plans all pay a lump sum cash benefit to help cover out-of-pocket medical expenses.
Prescription Drug
Medical Mutual has a dedicated team of experts to facilitate our Pharmacy Management Programs. With backgrounds in direct patient care, retail pharmacy, advanced financial and statistical analytics and pharmacy benefit management, we always put you and your employees first.
Workplace Wellness Programs
Empower your employees to live their healthiest lifestyle. Our wellness programs are designed to provide health information and engagement opportunities to help your employees achieve their healthy-living goals.
Spending Accounts
Medical Mutual Administers Tax-Advantaged Accounts.
Health Savings Accounts (HSAs)
Our HSA is available with our qualified high-deductible health plans (QHDHP) and comes with several easy enrollment options. Plus, it has a low $1,000 investment threshold, giving your employees the opportunity to earn more by investing earlier.
Flexible Spending Accounts
We offer several FSAs, including our standard health FSA which integrates with your company’s Medical Mutual healthcare benefits and helps you save almost 8% on every dollar your employees set aside for their FSA.
Health Reimbursement Arrangements
Medical Mutual’s health reimbursement arrangement (HRA) works with your company’s healthcare benefits, giving you and your employees single sign-on access and the support of our award-winning, Ohio-based Customer Care team.
1Member Competitive Survey 2023, Commercial