Group Health Plan Options

Innovative health insurance for businesses of any size. Offer your employees high-quality health plans with access to doctors and hospitals they want. Explore our options and find what fits best for your business and your bottom line.

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Reserve National Insurance Company Now Part of Medical Mutual

We are pleased to welcome Reserve National Insurance Company (formerly known as Kemper Health) to the Medical Mutual family of companies – expanding our supplemental health product offerings for both individuals and employers.

Small Group Health Plans

Medical Mutual can offer big benefits no matter how small your business may be. Our small business solutions provide access to benefits and programs that help your employees along their health journey while you keep your business running. Find out about our variety of options including fully insured and self-funded plans.

Midsize Group Health Plans

Group health insurance is an important decision for your business and your employees. Our midsize health plans are designed specifically for businesses with 51-99 employees. Our comprehensive plan options can help manage the rising cost of providing health insurance, while giving employees access to high-quality networks of doctors and hospitals.

Large Group Health Plans

Satisfying the needs of a wide variety of employees can be challenging. Medical Mutual provides solutions to your organization by building a benefits package that has a big impact on employees, their satisfaction and recruiting and retention. Our advisors work with you to make sure you are aware of all you have access to— like flexible and affordable plans, excellent customer service and wellness programs for your employees.

Additional Products and Features

Using Medical Mutual as one carrier for all your benefit needs provides a comprehensive experience with consistency and value. 
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Give your employees dental coverage to smile about. Medical Mutual offers a wide range of dental plan options with access to our SuperDental® national network, which includes more than 4,000 dental providers in Ohio and 70,000 nationwide.

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Medical Mutual’s vision coverage is essential for a total employee benefits package. Vision benefits can improve employee health and productivity while lowering healthcare costs.

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Life and Disability

Our Life and Disability insurance options give your employees financial protection and security to prepare for the unexpected. Medical Mutual provides a selection of high-quality plans with flexible cost-sharing options and comprehensive offerings for absence management through our subsidiary, MedMutual Life.

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Accident, Critical Illness and Hospital Indemnity

With Medical Mutual, you can offer your employees benefits beyond health insurance that can make all the difference if the unexpected strikes. Our Accident, Critical Illness and Hospital Indemnity plans all pay a lump sum cash benefit to help cover out-of-pocket medical expenses.

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Health Savings Accounts (HSAs)

Our HSA is available with our qualified high-deductible health plans (QHDHP) and comes with several easy enrollment options. Plus, it has a low $1,000 investment threshold, giving your employees the opportunity to earn more by investing earlier.

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Flexible Spending Accounts

We offer several FSAs, including our standard health FSA which integrates with your company’s Medical Mutual healthcare benefits and helps you save almost 8% on every dollar your employees set aside for their FSA.

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Health Reimbursement Arrangements

Medical Mutual’s health reimbursement arrangement (HRA) works with your company’s healthcare benefits, giving you and your employees single sign-on access and the support of our award-winning, Ohio-based Customer Care team.

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Prescription Drug

Medical Mutual has a dedicated team of experts to facilitate our Pharmacy Management Programs. With backgrounds in direct patient care, retail pharmacy, advanced financial and statistical analytics and pharmacy benefit management, we always put you and your employees first.

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Workplace Wellness Programs

Empower your employees to live their healthiest lifestyle. Our wellness programs are designed to provide health information and engagement opportunities to help your employees achieve their healthy-living goals.

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COVID-19 Information

We have received many questions regarding our policies and coverage. Learn more.