A benefit option designed for small businesses

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April 04, 2021 | Tags: Employee benefits

Medical Mutual and the Council of Smaller Enterprises (COSE) have teamed up to offer a new benefit option to small businesses of 1 to 50. The COSE Benefit Plan is a multiple employer welfare arrangement (MEWA). You may be thinking, what does that mean? Well, it’s simpler than it sounds! Let us break it down for you:

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A self-funded benefit option, meaning you pay a fixed amount based on the number of employees and estimated costs associated with the plan, backed by Medical Mutual’s stop-loss coverage.

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Allows you to join with more than 7,500 other small businesses, sharing risk and pooling contributions, so you can offer similar benefits that large corporations do.

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Offered through various plan types, such as traditional copay plans and high-deductible health plans with varying deductibles and coinsurance.

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May be less expensive than Affordable Care Act (ACA) plans since rates are set by medical history, gender, age and location. Plus, the COSE MEWA is not subject to some of the ACA-mandated taxes and fees, so these savings are passed along to you.

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Includes prescription drug benefits with access to more than 70,000 pharmacies.

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Includes comprehensive wellness programs that help promote healthy lifestyles and keep your employees feeling their best.

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Access to Medical Mutual’s high-quality network of doctors and hospitals.

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Ability to add on other Medical Mutual products, such as dental, vision and life & disability insurance, keeping all your Sales & Service in one spot.



Now, you may be asking yourself “How do I sign up?”

After going through Medical Mutual’s underwriting process, you must join COSE and/or one of their affiliate chambers if located in the Toledo, Columbus, Richland or Wyandot areas. The good news is, you can enroll in the COSE MEWA no matter where your business is in Ohio. We always suggest starting with your broker. Tell them you heard about the COSE MEWA through a blog post. If you don’t have a broker, give us a call at 844-999-4663 or visit our quote form. We will refer you to a broker in our awesome broker network or direct you to our COSE direct team.