Medical Mutual’s Fully Insured Plan: Your Comprehensive Guide

July 22, 2025 | Tags:
Each one of your employees has healthcare needs as unique as they are. As a business owner, this means you’ve had to think differently about the health plan and benefits they need. Our team at Medical Mutual has done the same.
For employers with 51 to 99 employees, we’ve exclusively designed a fully insured plan that encompasses a wide variety of options to help you manage rising costs while supporting the health needs of your employees.
The right plan for your business
Trying to choose the right plan can seem daunting, which is why Medical Mutual offers services and programs that help serve your business while giving your employees access to better manage their health. Our plans are backed by a comprehensive, national network with coverage that includes more than 12,000 primary care doctors, 46,000 specialists and 19,000 locations between the following:
- SuperMed: A comprehensive PPO network covering 88 counties and is complemented by nationwide access.
- MedFlex: An HMO network covering 70 counties statewide.
- CLE-Care: A regional Cleveland metro-based HMO network covering both Cuyahoga and Medina counties.
Prescription drug benefits are included with every plan we offer.
Creative features to save your business more
Different policies and services are available with your group's fully Insured plan to enhance its value while maintaining cost-effectiveness for both you and your employees.
- SuperMed Share®: Members partially share the funding of medical costs with Medical Mutual for a lower premium, giving them the benefits of self-funding with security of a fully insured policy.
- Level Rewards: A service rewarding groups that participate and meet health goals through gift cards and up to 8% off health insurance premiums.
- Reducing Deductible: A plan option that helps employees cut their deductibles by up to $1,000 a year by staying active, reaching their lowest possible deductible by year three.
Benefit solutions that stand out
Investing in your employees supports their health, productivity and engagement while presenting your business as a leading choice for top-tier talent in a competitive market. Medical Mutual understands the importance of creating a thriving workplace through effective healthcare management, so we’re offering solutions that can help:
- MedMutual Total Health™ and MedMutual Well™
Personal healthcare deserves personalized benefits. These programs provide tailored support through care management, chronic condition services, coaching and tools designed to meet the unique needs of your employees. - Comprehensive coverage through benefits
Specialty products like dental and life and disability, and wellness programs like ESI Employee Assistance Group provide additional coverage and protection to your employees' physical and mental health, and their finances. - A virtual connection to healthcare
A convenient alternative to traditional in-person visits made from the comfort of your home. Adults and children 18 months and older have access to $0 copy telehealth at MinuteClinic® 24/7, including holidays. - Tax advantaged solutions
Consumer driven products like health savings accounts (HSAs), flexible spending accounts (FSAs) and health reimbursement arrangements (HRAs) empower employees to take control of their healthcare costs – all with valuable tax benefits. - Health plan management at your fingertips
Employees can instantly access and easily manage their healthcare information, plan details and care tools with the MedMutual app.
Your Ohio hometown health insurer is ready to help
Medical Mutual isn’t just a health insurer – we're a partner to our community. With over 90 years as the oldest and one of the largest insurance companies based in Ohio, we’ve grown to support over 1.2 million members throughout every stage of life.
Contact your broker to learn more about our fully insured plans or fill out our request a quote form. If you don't have a broker, contact your Medical Mutual Sales representative or visit our Employers page to learn more about our group plans.