The Medical Mutual Spirit

Medical Mutual has been a trusted insurer for 90 years. We’re proud to serve more than 1.2 million members in Ohio, including 160,000 seniors with our Medicare Advantage and Medicare Supplement plans. Our status as a mutual company means we don’t have stockholders, answer to Wall Street analysts, or pay dividends to investors. Our focus is entirely on our policyholders with the goal of developing products and services that help our members live healthier lives.

Behind every athlete is a coach to cheer them on, help them perform their best and give them a reason to believe when they need it most. While you are focused on fitting your customers with the right plan to meet their needs, we are here to equip you with the tools and resources you need to perform your best. 

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Delivering More Affordability and Overall Value

1. Amping-up our most competitive plans with Signature HMO-POS and Access PPO 

  • Lower out-of-pocket maximum for better protection against unexpected costs1.
  • $0 prescription drug deductible1,2.
  • $3,000 comprehensive and preventive dental coverage—plus new 0% coinsurance on certain services up to the benefit maximum2.
  • Out-of-network dental coverage1,2.
  • Increased over-the-counter allowance2.

2. A new gameplan for our Secure-HMO-POS plans to serve those receiving Extra Help

  • New $50 grocery allowance monthly3.
  • New $1,900 comprehensive and preventive dental coverage—plus out-of-network dental coverage.
  • $200 vision allowance.
  • $115 over-the-counter allowance quarterly.
  • Lower out-of-pocket maximum for better protection against unexpected costs.
  • New $0 prescription drug deductible.
  • Transportation benefit now available without inpatient requirement.

3. Straight-A Ohio-based customer service

  • Ohio is our home turf. We love our Buckeyes, Bobcats and everyone in between. We are a people-first, customer-centric company with deep roots here. Our locally-based customer care team is known for delivering exceptional service. (Yes, even to Wolverines). 
  • 4.5 Star Overall Plan Rating in 2024 for both HMO and PPO contracts.
  • Our same-day call resolution exceeds 94%.
  • We process thousands of claims, in Ohio for Ohioans, each day with 99% accuracy.
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Your Home Team's Winning Stats by the Numbers

  • 90 years of experience as a trusted insurer – As a mutual company, our focus is entirely on our policyholders.
  • 19% of health plans nationwide – We earned a 4.5-Star rating from Medicare on both our HMO and PPO Medicare Advantage contracts, making us part of only 19% of health plans nationwide to achieve this distinction.
  • 160,000 total number of Medicare lives insured – Across Medicare Advantage, Medicare Supplement and Employer Group Waiver Plans (EGWP).
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We Believe in Ohio!

We’re all about extracurriculars. Medical Mutual employees live, work and play right here in Ohio. That’s why we’re committed to working closely with numerous civic, educational and cultural organizations to help promote and support a variety of social causes. In 2023, we contributed: 

  • 191,000 meals provided to food banks
  • 350 total grants awarded to nonprofits
  • More than $200,000 awarded in scholarships
  • 3,400 volunteer hours logged by employees

1Access PPO (H4497-005-004)
2 Signature HMO-POS (H6723-006-006)
3Members must qualify for Special Supplemental Benefit for the Chronically Ill (SSBCI)