A non-government site powered by Health Insurance Associates, LLC., a health insurance agency.
Intergenerational family on beach

Compare plans from top companies.

Medical Mutual Health Insurance Company

This Medical Mutual Health Insurance Company Review will discuss the company known as Medical Mutual Insurance. This company has been around since 1934 and is based out of Cleveland, Ohio. Medical Mutual offers health insurance policies for both individuals and groups. They also provide insurance policies for disability and life insurance.

If you would like to compare health insurance quotes for this company or others in your local area, all you need to do is fill in your zip code in the space provided below and you will get immediate results for multiple companies.

Medical Mutual Locations

Medical Mutual is headquartered in Cleveland, Ohio at:

2060 E 9th St.
Cleveland, OH 44115

Phone number: 216-687-7000
Toll free customer service number: 1-800-523-8558
Website/technical issues: 1-800-218-2205
Information about their insurance products or for individual quotes: 1-800-722-7331.

Medical Mutual is licensed to sell insurance not only in Ohio but also in Michigan and Indiana. Check on the website to see if there is an office located in your area.

Medical Mutual Products

The different products that Medical Mutual offers are:

Medical Mutual Individual Plans

Medical Mutual offers health insurance to individuals between the ages of 6 weeks and 64 years. These plans are good for those who do not have insurance through their employers such as those who are self-employed, recent grads/students, early retirees, those working part-time, and those who are eligible for COBRA.

Their individual health insurance policy is affordable coverage and helps cover preventive and routine health needs, as well as offering protection from unexpected and catastrophic events.

If you are over the age of 65, Medical Mutual offers Ohio Seniors Medicare Supplement, which helps to cover certain health-related expenses that are not covered by Medicare.

Medical Mutual Group Plans

The group plans offered by Medial Mutual are for employers of both small and large companies. There are a wide variety of products available from which to choose. These include:

  • SuperMed Plus
  • SuperMed Classic
  • SuperMed HRA
  • SuperDental
  • SuperMed Vision
  • Prescription Drug Program

The hospital and physician networks through Medical Mutual are great and the health products are superior. The premiums are also affordable. If you are interested in finding out more about the insurance plans, you can contact the sales office or go online to receive a free quote.

Medical Mutual Disability and Life Insurance

Medical Mutual sells disability and life insurance through the company called Consumers Life. This company is committed to providing their members with services and products that help maintain their financial stability and well- being.

Their disability insurance helps cover expenses if you are temporarily or permanently disabled and are unable to work. These include non- medical expenses as well.

Life insurance helps cover expenses if the breadwinner unexpectedly passes away. This can relieve a lot of financial burden from the family. The insurance policies available include term life and universal life insurance. Term life is more affordable and offers a cash benefit for a specified amount of time. Universal life coverage is more permanent and also builds up cash value over the years, which can help with income needs in the future.

Medical Mutual Careers

Medical Mutual values ambition and high performance and if you are looking for a career in the insurance industry and display these traits, Medical Mutual may be a great fit for you. Medical Mutual depends on outstanding team effort from all of their employees.

Employees of Medical Mutual receive a great compensation package, which includes:

  • 401(k) plan
  • Excellent benefits
  • Employee wellness programs
  • Fitness center onsite
  • Professional development

The benefits include coverage for:

  • Medical, vision, and dental
  • Flexible spending accounts
  • Transportation and parking benefits
  • Disability and life plans
  • Time off benefits
  • Maternity and adoption leave
  • Retirement plans
  • Employee recognition
  • Education assistance
  • Wellness benefits

The training and development programs include:

  • Leadership and management training
  • Professional development
  • Building personal organization
  • Customer service
  • Writing and communication skills
  • Regulatory and industry courses and certifications
  • Computer training

Medical Mutual also offers tuition assistance for employees who would like to enhance their level of education.

Just enter your zip code below if you would like to be able to compare health insurance rates for a variety of companies in your state.

3 Comments to “Medical Mutual Health Insurance Company”

  1. Anonymous says:

    “Because of the nasty possibility of recrimination exists (it’s a very powerful and corrupt industry after all) I will submit this review anonymously.

    After moving from Ohio to California, I experienced a gap in coverage from a previous contract to my most recent one. I opted to pay for another month (at 270 usd) so that I could retain coverage until my new coverage kicked in.

    I shouldn’t have bothered. After getting routine tests done for type-2 diabetes (which I specified as a precondition on my form) I got a bunch of letters from MMOH asking if each item (referred to by some obscure number – not an actual description of the test or visit) pertained to a pre-existing condition and what and when it was treated. As my diabetes history goes back several years and spans several countries, I couldn’t even begin to imagine where to begin to answer that!

    In any case, before I even had a chance to answer I was already informed that the test expenses would NOT be covered by MMOH, and I would be billed directly by the health care provider. Therefore I just wasted that 272 usd month of coverage payment, since I now have to pay for everything directly anyway.

    This kind of shysterism is, unfortunately, endemic to the whole broken and corrupt insurance industry in this country but is nonetheless unacceptable. DO NOT GET MMOH, if you are moving, or have light medical expenses that limited indemnity might be able to handle. My limited indemnity has worked out relatively well, and I’m glad for the competition it gives to ol’ Blue Cross, who thought people would forget about their terrible reputation if they just changed their name to Medical Mutual.

    You will not get reliable information from MMOH in any case, so why waste the money?”

  2. anonymous says:

    “Medical Mutual’s policy is loaded with exceptions for services that are routinely covered by other health insurers.

    After receiving an extremely ordinary health service, I was surprised by a notice from Med Mutual that they chose to cover 0% of it, and I now owe $800+ for a routine service.

    My health provider has tried in vain to work with Med Mutual to get them to cover any portion of it. And my health provider says that they have regularly provided this exact service for thousands of other patients with different insurers, and it’s routinely covered every time.

    Worse, Med Mutual’s reason for denying coverage keeps shifting. I’ve been told: “”This service was classified as X, and we don’t cover X,”” and “”We cover X, but this service was classified as Y.””

    Med Mutual also has an appeals process. I submitted my claim for an appeal, which promptly fell into a black hole and prompted no response.

    This is NOT my first problem with Med Mutual, but it will be my last. I am canceling my policy as soon as possible and will send my considerable insurance premiums to one of their competitors.

    Bottom line: Med Mutual = (exorbitantly expensive premiums + exception-ridden policy) = avoid like the plague.”

  3. Pamela daMota says:

    Worst Insurance company I have ever dealt with. Rejected every prescription by every one of my doctors. They just don’t care.


Leave a Reply

Your email address will not be published.