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About Medical Mutual of Ohio

Founded in 1934, Medical Mutual of Ohio is one of the oldest healthcare companies in America. Rather than focusing on expansion across the nation, Medical Mutual focuses its efforts inside the state of Ohio. With 2,500 employees based in Cleveland, Medical Mutual of Ohio serves 1.5 million members -- about 1 of every 10 people who live in Ohio. It offers a full array of services, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Health Savings Account (HAS), Vision, and Dental.

Although its coverage area is small, Medical Mutual has been awarded multiple awards for quality. Its PPO programs received full accreditation from the National Committee for Quality Assurance (NCQA), a non-profit organization that reviews healthcare. It was the first PPOs which received accreditation from the NCQA. Its HMOs were also well-reviewed, receiving ""Excellent Accreditation,"" the highest mark possible from the NCQA. In short, all of Medical Mutual's managed-care programs are accredited at the NCQA's highest level.

Medical Mutual Plans

With the multitude of plans offered, exact benefits and premiums will differ greatly. Monthly premiums also vary by age, location, tobacco use, and other socio-economic factors. The following plans are priced for a non-smoking male of age 30:

• SuperMed One 5000 - This PPO plan has a $5,000 deductible, but covers 100 percent of most in-network office visits, including urgent care after deductible as been met. Out-of-network coverage is 50 percent after the deductible has been met. A 30-day supply of medications is $15 for generic, $30 for medications on the formulary list, and $45 for non-formulary.
  
  
• SuperMed One HAS 1200 - This is an HSA account with a $5000 deductible. HSA accounts work like IRAs in that they offer a tax-free account that pays for medical expenses. Most in-network office visits are covered 80 percent after the deductible has been met; out-of-network coverage is 50 percent after the deductible has been met. Medications are also covered at 80 percent after the deductible for in-network care, and 50 percent for out-of-network care.
  
  
• Short Term SuperMed One 500 - This is a short-term coverage plan, providing coverage for one calendar year, from the first of January to the thirty-first of December. The plan has a $500 deductible and $15 co-payments for office visits and urgent care. After the deductible has been met, most routine services are covered at 50 percent, while surgery and other services are covered 80 percent for in-network and 60 percent for out-of-network care. Most medications are covered at 80 percent after the deductible has been met.
  
  

Dental and vision coverage can be added onto any plan. Insurance for critical illness is also an option.

Medical Mutual Headquarters

Medical Mutual of Ohio is located at 2060 E. 9th Street, Cleveland, OH 44115.