With so many health insurance options available, it is important to find the health plan that is right for you. Medical Mutual can help you understand your options and choose a plan that fits your individual needs.


Plan Options

We offer a variety of plan types with our Health Maintenance (HMO) products. Find a plan that meets your needs and your budget.

  • 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 Healthcare.gov.
  • 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.

Our HMO Networks

Medical Mutual has partnered with several health systems to offer you high-quality HMO plan options. Getting a quote is a convenient way to see which plans are available in your area. Search our HMO networks to find covered providers:

Our HMO plans are offered in the following Ohio counties: Allen, Ashland, Ashtabula, Athens, Auglaize, Brown, Butler, Carroll, Clermont, Clinton, Champaign, Clark, Columbiana, Coshocton, Crawford, Cuyahoga, Darke, Defiance, Delaware, Erie, Fairfield, Fayette, Franklin, Fulton, Geauga, Greene, Hamilton, Hancock, Hardin, Henry, Highland, Hocking, Huron, Jackson, Knox, Lake, Licking, Lorain, Lucas, Madison, Mahoning, Marion, Medina, Mercer, Miami, Montgomery, Morrow, Ottawa, Paulding, Pickaway, Pike, Portage, Preble, Putnam, Richland, Ross, Sandusky, Seneca, Shelby, Stark, Summit, Tuscarawas, Trumbull, Union, Van Wert, Vinton, Warren, Wayne Williams, Wood and Wyandot.


Extra Plan Coverage

Once enrolled in a Medical Mutual plan, you get access to extra benefits that make managing and improving your health easy and convenient, all at no additional cost.

  • Telemedicine – Care is just a click away with Firelands Virtual Care. Meet with a provider through live video chats using either a computer or mobile device, giving you the convenience of staying at home while still getting the quality care you expect1. Log on to My Health Plan to view the on-demand Firelands Virtual Care providers in your network.
  • $0 Generic Prescription Drugs – Medical Mutual offers handpicked $0 generic preventive prescription drugs on select plans, all at no additional cost2. Examples of prescription drugs that are covered under this benefit include aspirin and propranolol. View a complete list of drugs that qualify for this benefit.
  • Wellness Benefits – Medical Mutual has partnered with BravoHealth to offer you rewards for completing health-related activities such as getting a preventive care checkup, attending an online health education course and more. Depending on the type of activities you complete, you will be eligible to earn up to $100 in rewards cards, per calendar year3. Log in to your My Health Plan account to enroll in this program4.
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Prescription Drug Coverage

Our medical plans also include prescription drug coverage. All plans have a list of prescription drugs they cover, known as a formulary. From the links below, you can view our High Performance Plus formulary or use the online search tool on the Express Scripts website to see medication coverage information for a specific drug in real time.

If you are already covered under your employer’s plan, log into your My Health Plan account to view your plan’s formulary.

A Note about Prescription Drug Coverage: If you receive any amount of financial assistance from a coupon, patient assistance program, provider, pharmacy, etc. for the required cost share, that amount shall not be considered an out-of-pocket expense and will not apply to deductibles and/or out-of-pocket maximums.


Additional Products

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

Ready to Shop?

Use our online enrollment tool to get an instant quote. You can also call us at 844-583-3072 or call your licensed insurance agent.


1Unlimited on-demand telemedicine is available on all plans. Please note, some plans are not eligible for a $0 copay.
2HSA plans do not qualify for this benefit.
3You have from January 1st through December 31st to complete activities and earn rewards. All activities including your Annual Provider Visit and Preventive Care Visit must take place between these dates under your Medical Mutual policy.
4Only the contract holder and spouse/domestic partner are eligible to participate and earn rewards

Would you like to see if you qualify for financial assistance?

You may qualify to receive a subsidy, which is a tax credit that lowers your monthly premium. Check to see if you're eligible for these savings!