Plan Options

Copay and high-deductible plan options are available for both our Health Maintenance (HMO) and Point of Service (POS) products. We also offer a Young Adult Essential plan using our POS network.

Copay Plans

If you want fixed costs for things like office visits, prescription drugs and more, a copay plan may be right for you. We offer gold, silver and bronze copay options. Please note: our gold plan is only available on the Health Insurance Marketplace at

High-deductible Plans

High-deductible plans have lower monthly premiums and higher deductibles compared to Copay plans. Most of our high-deductible plans can be paired with a Health Savings Account (HSA), which gives you tax benefits and more control over your healthcare expenses. Medical Mutual offers silver and bronze high-deductible health plan options.

Young Adult Essentials Plan

If you’re 29 or younger and looking for coverage that protects you from significant medical expenses, like a hospital stay, Medical Mutual's Young Adult Essentials plan may be a good choice. This plan is designed to protect you from very high medical costs with coverage that kicks in when you need a lot of care.

HMO Plans from Medical Mutual

If you don’t expect to have high medical costs and you want a plan with a low monthly premium, one of our HMO plans could work for you. They offer a network of trusted doctors and hospitals in your community but unlike most HMO plans, ours don’t require you to choose a primary care provider (PCP). Make sure to choose a plan that’s available in your county.

Are You Eligible for One of Our HMO Plans?

Our HMO plans are only offered of the following Ohio counties: Allen, Athens, Butler, Clermont, Champaign, Clark, Columbiana, Delaware, Fairfield, Franklin, Hardin, Licking, Lucas, Mahoning, Marion, Morrow, Pickaway, Putnam, Richland, Trumbull, Union, and Wood.

Getting a quote is a convenient way to see which plans are available in your area.

What Providers Are Covered by the HMO Plan?

Medical Mutual has partnered with Mercy, ProMedica and OhioHealth to offer you high-quality HMO plan options. You can search our Mercy, ProMedica and OhioHealth HMO networks to find covered providers:

  • Mercy Health System (available if you live in Allen, Butler, Clermont, Champaign, Clark, Columbiana, Hamilton, Lucas, Mahoning, Putnam, Trumbull and Wood County)
  • ProMedica (available if you live in Lucas or Wood County)
  • OhioHealth (available if you live in Athens, Delaware, Fairfield, Franklin, Hardin, Licking, Marion, Morrow, Pickaway, Richland and Union County)

POS Health Plans from Medical Mutual

If you live in one of the eligible counties, you can buy one of our POS insurance plans. We are not currently offering PPO (Preferred Provider Organization) individual health insurance plans, but our POS plans and networks are similar.

What Providers Are Covered by the POS Plan?

Search our SuperMed POS network to see if your preferred providers and facilities are covered.  Keep in mind that you can see out-of-network providers, but you will pay more out of your own pocket when you receive services from an out-of-network provider.

Are You Eligible for One of Our POS Plans?

If you live in Ashland, Ashtabula, Cuyahoga, Geauga, Lake, Lorain, Medina, Portage or Summit County, you can enroll in a plan that uses our SuperMed POS network.  Getting a quote is a convenient way to see what plans are available in your area.

Ready to Shop?

You can also call us at 1.855.444.0162 or call your licensed insurance agent.

Additional Products

If you're looking for additional coverage to add to your health plan, consider our dental and vision options.