Health Benefits for Small Businesses
When you partner with Medical Mutual, you can offer big health benefits to your employees—no matter how small your business may be. Choose from a variety of health plan options for teams of 1 to 50 including sole proprietors and self-employed individuals.
Self-Funded/MEWA
In partnership with the Council of Smaller Enterprises (COSE), we offer the COSE Benefit Plan. The COSE Benefit Plan is a multiple employer welfare arrangement (MEWA) that includes predictable rates and a broad selection of self-funded plan options.
Level-Funded
Meet Balanced Solutions, a level-funded plan for businesses with 10–99 employees, offering cost control, comprehensive coverage, and the potential for year-end savings if claims are lower than expected.
Fully Insured
Our fully insured Affordable Care Act (ACA) plans have premiums that vary based solely on an employee’s age, location and tobacco use. To help manage costs, we offer customizable options, empowering your employees to select from a range of plans you choose.
Total Coverage, Tailored for Your Team
Enhance your employee offerings with more than just health coverage. Consolidating your benefits with us can simplify administration and make managing your plans easier than ever.
- Dental: Get superior dental coverage for your employees with a large network and value-added benefits—all at special rates for small groups.
- Life & Disability: Provide your employees with financial protection and outstanding support—ready when life takes an unexpected turn.
- Vision: Give your employees quality vision coverage with low monthly premiums—plus access to a nationwide provider network.
- Wellness programs: Empower your workforce with digital wellness tools and personalized care solutions.
- Employee assistance programs (EAPs): Help your team handle life challenges when it comes to addressing mental health and work-life issues.
Key Features That Make a Big Difference
Bundle & Save
Bundle dental, indemnity or life plans with one of our self-funded or level-funded small group health plans and receive a one-time invoice credit.
Savings vary based on the number of enrolled employees and the product you add.
Network Strength
Extensive local and national network coverage, including:
- More than 12,000 primary care doctors
- 46,000 specialists
- 19,000 locations across Ohio
- Access to Cigna’s national network for out-of-state coverage
Why Choose Medical Mutual?
- Local Support that Understands You: Proudly Ohio-based, our local teams offer personalized, community-rooted guidance for your employees.
- We Put You First: As a mutual company, we answer to you – not shareholders. That means better plans, better service, and better outcomes.
- Service That Delivers: We don’t just meet expectations—we exceed them: 9 out of 10 members say we meet or surpass their needs, and our member loyalty is 21% higher than the competition.
Ready to Learn More About Our Plans?
We get it—health benefits can be confusing. That’s why our team is here to walk you through your options, step by step. And if you don’t already have a broker, no worries—we’ll connect you with one of our trusted partners to help you get started. Simply fill out this form, and one of our sales experts will guide you every step of the way.
Real Businesses, Real Results.
From lowering costs to improving employee satisfaction, our plans make a real difference. Don’t just take our word for it—hear from our own customers.
View the Latest Trends on Our Blog
Stay informed on the latest insurance trends and updates by exploring our blog, where we also cover insights into employee benefit options.