Health and Accident Products
Our trusted agents are here to guide individuals, self employed and small businesses through the process of finding the coverage that is right for you. Not everyone’s health insurance needs are the same. Let us help you find the coverage that is the best fit for you.
Pick a scenario that best describes your health insurance needs.
Your journey to custom health insurance starts here. Don’t see a perfect fit? It’s ok. Our agents can craft a solution for your unique needs.
Out-of-Pocket Cost Management Policies
Hospital Confinement
Indemnity Policy
Concerned about the potential financial consequences of a hospital stay? Choose your hospital confinement benefit level that is right for you, from $100 to $2,000 per day. This is a flexible policy that lets you select the benefits that best meet your needs.
"Affordable Cost Solution"
Fixed Indemnity Policy
A policy that provides benefits for hospitalization and surgery with no deductible. Optional benefits help cover preventive care and other outpatient treatments.
Supplemental Outpatient
Fixed Indemnity Policy
Coverage that helps with outpatient treatment, such as emergency room, x-rays, lab work, CT scan, MRI, office visits, and prescriptions.
Specific Coverage Policies
Accident Policy
Coverage in the event of an accidental injury or death. You can tailor your policy to best fit your needs by choosing a deductible amount.
Specified Disease Policy
Coverage for expenses associated with hospitalization, surgery and other treatment of many serious diseases. With this policy you only have to pay the deductible once in your lifetime for each of the covered diseases while the policy is in force.
Supplemental Dental
and Vision Expense Policy
This coverage makes it possible for everyone to receive proper dental and vision care - from routine cleanings and eye exams to comprehensive dental procedures and more.
Senior Needs Policies
Medicare Supplement Insurance
Help pay some of the healthcare costs that Medicare Parts A and B don’t, like coinsurance, copayments or deductibles. Competitive rates. Several “standard” plans to choose from.
Home Health Care Indemnity Policy
This policy provides benefits for home health care services, home health care aide services, physical therapy, speech therapy, and more. Optional benefits help cover prescription drugs, eye exams, and private duty nursing, as well as routine physical exams.
Resources
If you're shopping for coverage and need help, we're here for you. View a list of frequently asked questions or find a sales agent who can help you find the right coverage for you.
Information for Sales Agents
Our approach is simple: build and maintain the best independent sales force in the industry. Whether you're already an appointed broker or you're looking to start selling our products, we offer the tools and resources you need to be successful:
*ACA plans are brokered through Summerset Agency.
MedMutual Protect is the brand name for insurance products issued by subsidiary insurance companies controlled by Medical Mutual of Ohio. Each subsidiary of Medical Mutual of Ohio is solely responsible for the insurance products it underwrites and issues. Insurance benefits under Medicare Supplement Plans are underwritten by United Insurance Company of America or Reserve National Insurance Company. United Insurance Company of America is not financially affiliated with Medical Mutual of Ohio. Insurance benefits under other available coverages are provided by Reserve National Insurance Company. Form numbers, availability and policy provisions may vary by state. A company agent may contact you with details about benefits, costs, limitations, exclusions, renewability and waiting periods. Each individual's eligibility is subject to underwriting guidelines. This coverage is designed to supplement, and not take the place of, "minimum essential coverage" under the federal Patient Protection and Affordable Care Act. Not affiliated with or endorsed by the U.S. Government or the Federal Medicare Program.