While there is no way to prepare for illnesses or accidents, you can find comfort in knowing you have an extra safety net available with a Medical Mutual accident and critical illness plan — just in case.

MedMutual Accident and Accident Plus Plans

Medical Mutual offers six simple and affordable Accident and Accident Plus plans that pay a cash benefit when you experience an accident and critical illness. Coverage options are available for your family members as well.  

What is accident and critical illness coverage?

Accident and critical illness coverage protect you and your family from costs resulting from emergencies and unexpected illnesses. These plans act as an additional layer of protection and help with expenses that your health insurance may not cover, including deductibles and coinsurance. 

These plans are available as a standalone benefit and do not require medical insurance to enroll.

Frequently Asked Questions about MedMutual Accident and Critical Illness Plans

Q. Why do I need accident or critical illness coverage if I have health insurance?
A. MedMutual Accident and Accident Plus plans act as an additional layer of protection and provide a cash benefit to help you pay for expenses that health insurance does not cover, such as deductibles, copays, coinsurance as well as personal bills.

Q. Who can be covered under the MedMutual Accident or Accident Plus plan?
A. Medical Mutual offers coverage for individuals 18 to 64 years old, their spouses and children under 26 years old. Eligible individuals must live in Ohio at least six months a year.

Q. What critical illnesses are covered under the Accident Plus plans?
A. MedMutual Accident Plus plans provide coverage for the following critical conditions: heart attack, coronary artery bypass, stroke, life-threatening cancer, carcinoma in situ, kidney failure and major organ transplant.

Q. Do pre-existing condition limitations apply to accident and critical illness coverage?
A. Yes, pre-existing condition limitations apply to accident and critical illness coverage. A pre-existing condition is an illness or injury for which you received treatment within a specified period of time prior to your effective date of coverage under Accident or Accident Plus plans. If you have a pre-existing condition, your coverage for that specific condition will begin after the following timeframe:

  • Critical illness – 12 months
  • Accident – 3 months

Any accident or critical illness that did not have a pre-existing condition will be covered as soon as your coverage is effective.

Ready to Shop?

You can also call us at 1-866-397-8406, from 8:30 a.m. to 5 p.m., Monday through Friday, or contact your licensed insurance agent to enroll.

THIS IS NOT QUALIFYING HEALTH COVERAGE (“MINIMUM ESSENTIAL COVERAGE”) THAT SATISFIES THE HEALTH COVERAGE REQUIREMENT OF THE AFFORDABLE CARE ACT. IF YOU DON’T HAVE MINIMUM ESSENTIAL COVERAGE, YOU MAY OWE AN ADDITIONAL PAYMENT WITH YOUR TAXES.