by Russell Noga | Updated November 27th, 2023
Seniors get relief from their annual healthcare expenses through Medicare Parts A & B. These federally-funded programs cover hospital and medical costs as you age, but they don’t cover all expenses. You’ll have a 20% out-of-pocket expense involved in covering the remainder of costs not fully covered by Medicare Parts A & B.
A Medigap plan can fully or partially cover these out-of-pocket expenses. Private healthcare insurers, like Medical Mutual, offer Medigap plans. You can sign up for Medigap during Open Enrollment in the six months after your 65th birthday. During this time, Medical Mutual must accept your application to join its Medigap scheme, even if you have pre-existing health conditions.
This post looks at Medical Mutual Medicare supplement plans. We’ll unpack the benefits of each plan, the average monthly premiums, and the perks.
Medical Mutual Medicare Supplement Plans at a Glance
- Medical Mutual offers a good range of Medigap plans.
- The company has mid-range pricing on monthly premiums.
- 5% household discount.
- A good range of extra perks, including SilverSneakers and discounts on wellness services and products.
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Who Is Medical Mutual?
Founded in 1956, Medical Mutual was formed to offer coverage for doctor charges. Medical Mutual of Cleveland later affiliated itself with the Blue Shield Association. It is the largest and oldest health insurance company in Cleveland, Ohio, serving over 1.6 million clients.
In 1997, Medical Mutual left the Blue Cross Blue Shield Association, reclaiming the branding of Medical Mutual of Ohio. The company has headquarters in the Rose Building in Cleveland, with offices in Columbus, Cincinnati, Independence, Dayton, Toledo, Richfield, and Youngstown.
What Medicare Supplement Plans Does Medical Mutual Offer?
Medical Mutual of Ohio sells six Medicare supplements in Ohio, Plans A, C, F, F (HD), G, & N. Here’s a breakdown of the coverage in each plan.
Plan A – Basic benefits but no coverage for the Medicare Part A deductible and coverage for Medicare Part B coinsurance and copayments.
Plan C – Near-comprehensive coverage, with coverage for the Medicare Part B deductible but no coverage for Medicare Part B excess charges.
Plan F (HD) – The same coverage as the standard version, but the Medicare Part A deductible increases from $1,600 to $2,700. Premiums are up to 80% lower than the standard plan.
Plan N – Copays for trips to the emergency room and the doctor. No coverage for the Medicare Part B deductible or excess charges.
Medical Mutual Medicare Supplement Plans – Benefits & Coverage
Medical Mutual Medigap plans have standardized benefits tightly regulated by the CMS, a federal agency. The CMS ensures all Medigap providers offer standardized benefits for Medicare Parts A & B, creating a level of consistency for consumers. The Medicare Part A & B benefits available in Medical Mutual Medigap plans are the same as all other insurers.
All Medigap plans offer the following benefits for Original Medicare Parts A & B.
- Part A coinsurance and hospital costs for up to 365 days after using up Medicare benefits.
- Part A hospice care coinsurance or copayment.
- Part B coinsurance or copayment.
- Blood transfusion costs for the first three pints of blood.
Plans C*, F*, G, and N offer additional Medicare Parts A & B benefits.
- Part A deductible.
- Part B excess charges (Plan N doesn’t cover these charges).
- Skilled nursing facility care coinsurance.
- 80% of emergency healthcare costs when traveling outside the US for 60 days. ($250 deductible and $50,000 maximum apply).
- Unlimited coverage for all out-of-pocket costs.
*Plans C & F are discontinued for seniors eligible for Medicare after January 1, 2020. The reason for phasing out the plans is its benefit covering the Medicare Part B deductible. You can enroll in Plans C & F with Medical Mutual if you’re eligible for Original Medicare before the cut-off date, but you’ll undergo a medical underwriting.
Underwriting allows the insurer to assess your health. If you have pre-existing conditions, they can charge higher-than-average rates for your monthly premiums or deny your application to join their Medigap scheme. You may qualify for guaranteed issue rights that help you avoid underwriting. Call our agents to find out if you are eligible for these consumer protections.
What Medical Mutual Medicare Supplement Plans Don't Cover
Medigap plans come with benefits covering the out-of-pocket expenses related to services covered by Original Medicare Parts A & B. Therefore, you don’t have coverage for medical or hospital expenses unrelated to these benefits. For instance, there’s no coverage for vision, hearing, and dental services. You don’t have coverage for cosmetic procedures or prescriptions.
Medigap plans don’t cover stays at unskilled nursing homes or private duty nursing. There’s no coverage for preventative treatments at the chiropractor, physiotherapist, acupuncturist, or podiatrist unless a doctor deems them medically necessary. In that case, Medicare would provide coverage, and Medigap would cover the out-of-pocket costs.
Medical Mutual Medicare Supplement Plans – Premiums
Medical Mutual creates a risk profile on your hen joining its Medigap scheme. They look at information like age, gender, location, and smoking status to form your risk profile and set your premiums according to the risk you present to its Medigap scheme.
Premium costs can vary widely depending on your risk profile. Our research shows a 65-year-old female nonsmoker can expect to pay the following average rates on Medigap plans with Medical Mutual.
*Your premiums may differ depending on your risk profile.
Medical Mutual Medicare Supplement Plans – Additional Benefits & Discounts
Medical Mutual offers additional benefits for beneficiaries with access to the SilverSneakers program for discounted gym memberships and the Weight Watchers Reimagined programs. Medical Mutual has a range of supplements called “Supplement Plus.”
Beneficiaries get a 3.5% household discount and discounts for OTC medications and supplements. You get chronic condition management and a 24/7 nursing hotline. There are discounted rates on wellness services with its partner network.
Medical Mutual Medicare Supplement Plans – Third-Party Ratings & Reviews
Medical Mutual has an A rating for financial strength with AM Best. However, the company is not accredited by the Better Business Bureau.
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Frequently Asked Questions
What are Medical Mutual Medicare Supplement Plans?
Medical Mutual Medicare Supplement Plans are insurance policies offered by Medical Mutual of Ohio that provide additional coverage to fill the gaps left by Original Medicare.
Call Us for More Information on Medical Mutual Medicare Supplement Plans
Contact our team at 1-888-891-0229 for more information on Medical Mutual Medigap plans. We offer free consultations and quotes, and our fully licensed agents will advise you on the right plan for your healthcare needs and budget.
If you can’t call us now, use our contact form to leave your details, and we’ll get a Medigap agent to call you. Or you can use the free quoting tool on our site to get a free automated quote on any Medigap plan.
Russell Noga is the CEO and Medicare editor of Medisupps.com. His 15 years of experience in the Medicare insurance market includes being a licensed Medicare insurance broker in all 50 states. He is frequently featured as a featured as a keynote Medicare event speaker, has authored hundreds of Medicare content pages, and hosts the very popular Medisupps.com Medicare Youtube channel. His expertise includes Medicare, Medigap insurance, Medicare Advantage plans, and Medicare Part D.