Introducing Medical Mutual’s $0 Deductible Plans 

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July 22, 2025 | Tags: Employee Benefits

Medical Mutual’s midsize fully insured group plans are designed to offer a range of comprehensive health insurance options that help employers manage costs while supporting employee wellness. Medical Mutual is enhancing our midsize portfolio to include two $0 deductible plans that don’t require members to meet a minimum out-of-pocket amount before medical expenses are covered.  

Choosing the $0 deductible plan* delivers significant benefits and advantages, offering peace of mind and allowing you to focus on your business needs. 

What to know about the $0 deductible plan  

The $0 deductible plan is available on the SuperMed® network for two maximum out-of-pocket (MOOP) options: 

  • Option 1: $5,000 Single/$10,000 Family MOOP 
  • Option 2: $8,000 Single/$16,000 Family MOOP 

Members receive first-dollar coverage with predictable expenses and comprehensive preventive care, encouraging timely treatments that help reduce emergency room (ER) visits and chronic conditions.  

Providing access to cost-effective healthcare also fosters a supportive work environment for greater loyalty, employee satisfaction and overall well-being.

Another benefit is a $0 copay telehealth service through MinuteClinic®**, allowing members quick, safe access to healthcare providers with minimal disruption to their daily lives. Telehealth virtual appointments provide:

  • Quality care from licensed professionals. 
  • Treatment for a variety of illnesses, minor injuries and prescription refills.
  • Convenience from the comfort and safety of home or while traveling.
  • Safety by avoiding exposure to illness in crowded waiting rooms.
  • Availability 24/7, including holidays. 

Standard plan vs. $0 deductible plan: What’s the difference? 

Understanding your health insurance options empowers you to make informed choices about your coverage and which plan works best for you and your employees. Below are some offerings included in our Medical Mutual Standard plan: 

  • Access to statewide SuperMed® PPO and HMO networks in specified areas and prescription drug benefits. 
  • Tax advantaged products such as health savings accounts (HSAs), flexible spending accounts (FSAs) and health reimbursement arrangements (HRAs). 
  • Comprehensive benefits, including dental, vision, indemnity, life insurance and short-term disability 
  • Access to our Essential wellness program featuring fitness discounts, our QuitLine program for tobacco cessation and more at no additional charge. 

Medical Mutual’s new $0 deductible plan includes enhancements added to help manage costs and promote employee wellness. These include: 

  • Consistent copays, regardless of the place of service.  
  • All in-network services with no large deductibles or coinsurance.  
  • 100% preventive care coverage through comprehensive SuperMed® networks.  
  • $0 copay for virtual telehealth appointments. 

Benefits of choosing a $0 deductible plan

Consider your employees and their unique health and wellness needs. Are they:

  • Older adults?
  • Families with young children?
  • Individuals with chronic conditions?
  • People seeking financial predictability?   

If you answered “yes” to any of these, a $0 deductible plan is a valuable option that can benefit both you and your team. When employees know they have access to healthcare with clear, upfront costs and transparent overage, they feel encouraged to seek timely and preventive care. This can lead to fewer out-of-pocket costs for ER visits and chronic conditions, ultimately reducing costs for both employees and employers. 

Healthier employees are often happier and more engaged, which boosts morale and can lead to higher productivity. By fostering a positive and health-focused workplace, workers are not only given an incentive to stay, but it strengthens your business position in a competitive job market aimed at attracting top talent. 

Get started with your $0 deductible plan today

Medical Mutual offers a variety of comprehensive plan options that can be paired with our SuperMed® Plus, MedFlex™ or CLE-Care networks and corresponding drug plans. Contact your broker to learn more about our Midsize 51-99 plans or fill out our request a quote form.  

*The $0 deductible plan is not applicable to HSA plans, R19 plans or non-standard options. 
**MinuteClinic® is a registered trademark. Standard copay plans have $0 Telehealth MinuteClinic® for virtual care appointments only. The HSA plans do NOT include this benefit. 

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