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Medical Mutual’s Benefit Plan Options

Medical Mutual offers State of Ohio employees the choice between a preferred provider organization (PPO) and a high deductible health plan, or HDHP. The HDHP is paired with a health savings account (HSA) administered by Optum Bank.

Both plans also feature Medical Mutual’s SuperMed Network, one of the largest in Ohio. To receive the highest level of benefits and avoid higher out-of-pocket costs, you should use an in-network provider.

Learn more about the benefits available to you in the Benefit Guide brochure.

OhioMed PPO

With the PPO, you pay a higher monthly contribution, but have a lower deductible. After meeting your deductible, medical services will either be covered in full, or with coinsurance, depending on your plan design.

OhioMed HDHP

The HDHP requires a lower monthly contribution but has a higher deductible. This means you pay more out-of-pocket before the health plan begins to cover costs, except for certain preventive services.

With the HDHP, you pay 100 percent of the discounted charges for services, prescription drugs and other qualified health expenses until you meet your deductible.

To help you plan for and pay the higher deductible, the HDHP allows you to open an HSA. With an HSA, you can put money in a special bank account through pre-tax payroll deductions. You can then use this money to pay for qualified healthcare expenses as defined by the IRS. These expenses include deductibles and any coinsurance amounts. In addition, you don’t pay any taxes on money you use to pay for qualified health expenses.

Overview of Benefits

From everyday doctor visits to hospital stays, Medical Mutual covers the services you need to get and stay healthy, including:

  • Office, urgent care and emergency room visits
  • Preventive care and immunizations (most of which are covered at 100%, so you have no out-of-pocket costs)
  • Hospital care
  • Lab tests
  • Home health services
  • Maternity and newborn care
  • Outpatient therapies, including occupational, speech and physical therapy

For more details about Medical Mutual’s benefits, review the Medical Plan Description book.

Utilize our 24-Hour Nurse Line and Telehealth Services

Our services offer peace of mind with around-the-clock guidance and answers to your healthcare questions. These services can help you:

  • Make decisions about a health issue, including whether you need to visit a doctor or emergency room (ER)
  • Understand medical conditions diagnosed by your doctor, including the importance of following the doctor’s plan of care
  • Prepare for doctor visits by knowing what questions to ask
  • Care for minor injuries and illnesses at home
  • Develop healthier lifestyle habits

Call our Nurse Line at 1-888-912-0636. Click here to access Telehealth services.

Helpful Documents

MyBenefits Guide 2021-2022

Transition of Care Waivers

What's the Best Plan for You?

Medical Plan Description

FY 2021



FY 2022



Cost Calculator

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