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Medical Mutual of Ohio

Founded in 1934, Medical Mutual of Ohio serves more than 1.5 million members, and employs about 2,500 people who live and work in Ohio. Earlier known as Blue Cross and Blue Shield of Ohio, Medical Mutual of Ohio operates out of downtown Cleveland, Ohio. One of the oldest health care organizations in the United States, it is a mutual company that is owned by and acts for its policyholders, and not for the stockholders or analysts on Wall Street. Although its coverage area is mostly confined within Ohio, Medical Mutual has won a number of awards for quality. Its PPO programs got full accreditation from the National Committee for Quality Assurance (NCQA), a non-profit organization that reviews health care. It was the first PPO that obtained accreditation from the NCQA. Its HMOs were also well appreciated, 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 of Ohio offers several health plans for its subscribers with varying benefits and premiums. Monthly premiums can also vary by age, location, tobacco use, and other socio-economic factors. Below are given some plans priced for a non-smoking male of age 30:

SuperMed One 5000: This is a PPO plan having a $5,000 deductible, but fully covers most in-network office visits, including urgent care after deductible has been met. Out-of-network coverage is 50 percent after the deductible has been met. A 30-day supply of medications is to cost $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 deductible of $5000. HSA accounts work like IRAs in the sense that they offer a tax-free account that pays for medical expenses. Under this plan, 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, that ensures coverage for one calendar year, from the first of January to the thirty-first of December. The plan features a $500 deductible and $15 co-payments for office visits and urgent care. After the deductible has been met, most of the 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 once the deductible has been met.

Dental and vision coverage can be added onto any plan. Insurance for critical illness can also be an option. The Company’s SuperMed One contains five comprehensive plans including health savings accounts (HSA), dental, vision, life, Medicare Supplement insurance plans, short-term and permanent health insurance plans. If you are 65 and above, you can choose one of their Medicare supplement plans to help you to cover the health care expenses that are not paid for by Medicare. Other Mutual Medical products include SuperMed Select (network), SuperMed Professional (a physician only network), SuperMed Choice Options, HMO Health Ohio (statewide), Traditional Vision (choice of provider), Traditional Dental (choice of provider), FlexSave Healthcare Accounts, Workers Compensation, and Third Party Administration (TPA).


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