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November 19, 2008

COSE-Sponsored Medical Mutual Health Plans

For more than 30 years, COSE has partnered with Medical Mutual of Ohiowww.medmutual.com to offer the most competitively priced health benefit plans in Northeast Ohio. Medical Mutual offers access to high-quality, respected hospitals and doctors. Its plans are supported by outstanding customer service and backed by financial strength and security.

Explore all of Medical Mutual’s health plan options in our Health Plan Comparison Chart providing you a complete overview of all COSE-sponsored Medical Mutual health plans. Compare coverage, copays, deductibles, etc.

Medical Mutual’s Family of Plans
COSE Health Plan Comparison Chart
Medical Mutual Eligibility Requirements
Medical Mutual SuperMed Network Hospitals
Medical Mutual HMO Health Ohio Network Hospitals
Request Information

Medical Mutual offers four distinctly different ‘families of products’ all designed to meet the varying needs of smaller employers.

Product Families Number of Products available Physician Choice Hospital Choice Who should consider Network Utilized

SuperMed Multiple Option Products or MOPs 3 Select any SuperMed Plus physician or specialist for higher plan coverage; select a non-network provider for non-network (lower level) coverage Select any SuperMed Plus hospital for higher plan coverage; select a non-network provider for non-network (lower level) coverage
Individuals who currently have or will select SuperMed Plus providers and facilities like the Cleveland Clinic, Akron General Medical Center, etc.

No referrals needed to visit specialists. Members can change physicians at any time without notifying MMO.

SuperMed Plus

Visit www.medmutual.com
for specific network details

SuperMed Plus Products 9 Select any SuperMed Plus Physician or Specialist for higher plan coverage; select a non-network physician for non-network (lower level) coverage Select any SuperMed Plus hospital for higher plan coverage; select a non-network physician for non-network (lower level) coverage
Individuals who currently have or will select SuperMed Plus physicians and facilities like the Cleveland Clinic, Akron General Medical Center, etc.

No referrals needed to visit specialists. Members can change physicians at any time without notifying MMO.

SuperMed Plus

Visit www.medmutual.com
for specific network details

SuperMed Classic Gold Products 4 Select any physician of your choice Select any hospital of your choice– higher level of benefits if you stay within the SuperMed Hospital Network
Individuals who have physicians who are not part of MMO’s SuperMed Plus network or individuals who currently utilize University Hospital Health System (UHHS), Summa Health Care System facilities, etc.

No referrals needed to visit specialists. Members can change physicians at any time without notifying MMO.

SuperMed Hospital Network

Visit www.medmutual.com
for specific network details

HMO Health Ohio Product 1 Select any HMO Health Ohio primary care physician to coordinate all of your health care services. Select a hospital from the HMO health Ohio network.
Employees who currently have or will select a physician in the HMO Health Ohio network.

Employees who like a more ‘managed’ benefit program.

Referrals are required in order to visit specialists. Members can change physicians at any time, but must notify MMO prior to visiting new physician.

HMO Health Ohio network

Visit www.medmutual.com
for specific network details

View Medical Mutual’s eligibility information for groups enrolling after July 1, 2006 HERE. View your Medical Mutual coverage specifically by enrolling into “My Health Plan” online at www.medmutual.com.

Medical Mutual Eligibility Requirements

For groups enrolling on or after July 1, 2006, companies must meet a minimum participation requirement of two enrolled employees. For example, a group with two eligle employees must maintain the two enrolled contracts to remain eligible for coverage.

Number of net eligible, active employees: 2 3 4 5 6 7 8 9 10 Over 10

Minimum enrollment requirements: 2 3 4 5 5 6 6 7 8 75%

Net eligible active employees do not include full-time employees who are enrolled in: 1) any other Medical Mutual group health plan, or 2) their spouse’s employer-sponsored group health plan coverage.

Medical Mutual will continue to allow for sole proprietor coverage, meaning only 1 enrolled contract or 1 enrolled employee in the group; however, in order to be a legitimate sole proprietor group, the 1 enrolled employee must be the only eligible employee at your company.

If a group enrolls less that 50 percent of the total active eligible, Medicla Mutual will require a completed medical questionnaire on each waiving employee.