Medical Mutual Insurance Company of Ohio


Medical Mutual Insurance is the leading insurer in the state of Ohio, having been in the business of health and life insurance since 1934. As the largest and highest-rated insurance company in the state, they offer a variety of insurance policies for every need and budget. Their SuperMed One plans offer traditional health insurance policies as well as HSA policies; this enables members to choose the plan that is right for them both in terms of benefits and cost.

Available plans

To check out the available plans offered by Medical Mutual Insurance, run an instant quote below.


Medical Mutual Plans Offered

There are a variety of plans offered through this company, both for individuals and families.

  • Value Plus plans offer basic medical services with a 70% coinsurance plan. Your first two office or urgent care visits are paid at 100%, and then you will pay 70% until your deductible is met. There are several different deductible options for both individuals and families. This plan also provides prescription drug coverage for generic brands, diagnostic services (such as lab work or X-rays), and various outpatient therapies.
  • Copay plans offer the same coverage as the Value Plus plans, but the deductibles are lower and there is a copay for all services. The coinsurance amount is 80%, which means that until your deductible is met, your insurance will cover 80% of your medical expenses after your copay. Prescription drug coverage is not limited to generic versions, although different copay amounts will apply for different types of drugs.
  • HSA plans also offer the same coverage, but have higher deductibles. You can use your established HSA (Health Savings Account) to pay for any medical expenses, and once your deductible is met, all of the covered services are paid at 100%.
  • Short-term plans provide temporary coverage if you are waiting for the open enrollment period for employer-sponsored health plans, if you are in between jobs, are unemployed, or are otherwise in need of temporary insurance.
  • Optional coverage for dental and vision services, as well as maternity care.
  • Life insurance.

Please note that all preventative services that are required by the Affordable Care Act are covered at 100%. This includes routine childhood immunizations and wellness checkups.

Premium Cost

How much you will pay in monthly premiums will depend on a variety of factors. The biggest factor is which plan you choose. A Value Plus plan is going to cost less than one of the copay plans, and typically plans with higher deductibles cost less in monthly premiums. Other things that will factor into your rates are your age and general health, whether you use tobacco, and until the ACA kicks in, whether you have any pre-existing conditions.
In order to receive an instant quote from Medical Mutual Insurance Company, visit HSA for America and click on the Instant Quote button. You will be able to choose Ohio from the drop down menu to begin the quote process.

Advantages Offered By Medical Mutual

In addition to a wide variety of health insurance plans available at prices you can afford, Medical Mutual customers are also given access to many additional programs at no added cost. Some of these include:

  • A personalized health assessment, which allows you to answer a set of questions about your lifestyle, habits, general overall health, and any medical conditions you might have. Once you have completed the assessment, you will be given a comprehensive plan for making healthier lifestyle choices in order to prevent future problems.
  • Reimbursement for enrollment in Weight Watchers. If you sign up for and complete a year of weekly meetings, Medical Mutual will reimburse you for your enrollment fees, up to $150 per family member enrolled.
  • Tobacco cessation supplies and support.
  • Discounts at fitness clubs.

Medical Mutual also offers other interactive wellness activities to help you achieve and maintain your personal health goals.

Who Is Medical Mutual?

Medical Mutual has been the largest insurance company in Ohio for over 75 years. Their network is one of the most comprehensive, offering Ohioans services in over 90% of the hospitals in the state. They believe that members should be allowed to see whichever doctor they choose, and thus have expanded their provider network to include most of the physicians in the state.

Although the SuperMed network is only present in Ohio, Georgia, Indiana, South Carolina and some parts of Kentucky, Medical Mutual has partnered with thousands of other providers so that out-of-network services do not break the bank.

Since Medical Mutual is strongly committed to a healthy membership base, they have worked hard to make sure all of their employees share that same dedication. They believe that a strong business depends both on employees and members, and as a result of this belief have received numerous awards from various organizations. Some of these include recognition as a National Heart Association Start! Fit Friendly Company and the C. Everett Koop National Health Award. The company also sponsors such programs as the American Red Cross and the Salvation Army.

How to Apply

With the Affordable Care Act getting ready to fully launch in January 2014, we believe that the best time to choose your plan is now in order to be sure that you have the coverage you need.

In order to apply for coverage through Medical Mutual of Ohio, you can visit HSA for America and receive an instant quote. Once you have chosen the plan you would like, you will then be instructed on how to apply. Or if you are uncomfortable with the online quote and application process, you can contact HSA for America at 1-800-913-0172.

HSA for America employs trusted Personal Advisors who can guide you through the process, and we can also answer questions you might have about the different plans available. We believe that selecting health insurance is one of the most important decisions you can make – financially and from a health standpoint – so we provide our services at no cost or obligation to you.

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749 S. Lemay Ave, Suite A3-116
Fort Collins, CO 80524
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Disclaimer: All information on this website is relayed to the best of the Company's ability, but does not guarantee accuracy. Information may be out of date. The content provided on this site is intended for informational purposes only and does not guarantee price or coverage. This site is not intended as, and does not constitute, accounting, legal, tax, and/or other professional advice. Determination of actual price is subject to Carriers.