Simplify Your Benefits with Tax-Advantaged Health Accounts

At Medical Mutual, we understand that managing employee benefits can be complex. That’s why we offer a fully integrated suite of tax-advantaged accounts designed to streamline administration, reduce costs and empower your employees to take control of their healthcare spending:

  • Flexible Spending Accounts (FSA)
  • Health Savings Accounts (HSA)
  • Health Reimbursement Arrangements (HRA)
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Choosing Medical Mutual means choosing simplicity, savings, and support. Contact your Medical Mutual Sales representative or broker to learn how our FSA, HSA and HRA solutions can work for your organization. Don’t have one? Simply fill out this form, and one of our Sales experts will guide you every step of the way.

Why Choose Medical Mutual? 

  • One Partner, One Platform: Manage your healthcare benefits and spending accounts through a single, unified platform. 
  • Award-Winning Support: Our Ohio-based Customer Care team is here to help you and your employees every step of the way. 
  • Smart Technology: Our debit card solution supports multiple account types and automatically applies expenses to the correct account using IIAS technology. 

Flexible Spending Accounts

Medical Mutual’s FSA helps both employers and employees save on taxes while covering eligible out-of-pocket expenses. 

Employer Benefits

  • Save up to 7.65% in FICA and other federal taxes per dollar contributed1. 
  • Access to on-demand reporting, participation data and expert implementation support. 

Employee Benefits

  • Use pre-tax dollars for medical, dental, vision, dependent care, parking and transit expenses. 
  • 24/7 access to account info via My Health Plan. 
  • Debit card with auto-substantiation reduces paperwork. 

Health Reimbursement Arrangements

Medical Mutual’s HRA solutions offer employers flexibility in designing cost-effective healthcare benefits. 

Advantages

  • Employer-funded accounts that reimburse employees for qualified medical expenses. 
  • Customizable plan designs to meet your organization’s needs. 
  • Integrated claims processing and debit card access for ease of use. 

Health Savings Accounts

Pair a qualified high-deductible health plan (QHDHP) with a Medical Mutual HSA to give employees a powerful tool for long-term healthcare savings. 

Key Features

  • Low $1,000 investment threshold encourages early investing2. 
  • Tax-free contributions, growth and withdrawals for qualified expenses. 
  • Multiple enrollment options and seamless integration with your health plan. 

Integrated Debit Card Experience

Our smart debit card can manage multiple accounts—FSA, HSA and HRA—on a single card. It automatically determines which account to use based on the type of expense, minimizing employee confusion and maximizing convenience.