MedMutual Protect EmployeeBridge™
When an employer learns that an employee is experiencing a life or career transition, the employer can refer the employee to MedMutual Protect. Learn how we partner with HR departments to help employees find affordable health insurance solutions.
Why would Human Resources be Interested in EmployeeBridge?
COBRA Alternatives
COBRA premiums cost the individual 102% of the total premium and the claims remain on the employer group even though the individual no longer provides a benefit to the company.
When an employee loses their job-based insurance, they may be offered COBRA continuation coverage. Our Transition Specialists understand COBRA continuation coverage and its alternatives.*
Dependents Age 26
Young adults often still need their parent’s support and can stay on their parent’s employer plan until the end of the month when they turn 26. When children age off a parent’s plan, they’re automatically allowed to enroll in a marketplace plan as a special enrollment. We can help dependents turning 26 find the most affordable options given their unique needs. HR can provide helpful EmployeeBridge information.
Growing Families
Perhaps your employee got married and is now a blended family, or just had a newborn... the family-tier premiums can be expensive.
Employers want to provide affordable group insurance for all employees. However, if an employee is struggling financially, offering EmployeeBridge to learn about alternatives shows the employee that the employer cares.
Working Past 65
If an employee plans to keep working past age 65 and needs to compare their employer’s group plan with Medicare options, we can help. Our Transition Specialists can assist with Medicare Supplement plans.
Medicare 101 seminars prior to the company's annual open enrollment makes sense. Afterwards, confidential 1:1 consultation gives older workers the help they need.
Retirement
HR can offer employees services to help them transition to retirement. The employee is more likely to give a long notice period and cooperate with the succession plan, training a replacement, etc.
Offering free services to understand Medicare and Medicare supplement options shows the retiring employee that the employer appreciates their service.
*Affordable Care Act (“ACA”) plans offered through various carriers and are brokered through Summerset Marketing Company Supplemental insurance benefits underwritten by Reserve National Insurance Company. Medicare Supplement insurance benefits underwritten by MedMutual Life Insurance Company. MedMutual Life Insurance Company Medicare Supplement Policy Form Series: M-MCS-24-A (Plan A), M-MCS-24-D (Plan D), M-MCS-24-F (Plan F), M-MCS-24-G (Plan G), M-MSC-24-GHD (High Deductible Plan G), and M-MCS-24-N (Plan N). Form numbers may vary by state. Reserve National Insurance Company policy form series: Specified Disease (SD-3); Accident (SA-2); Affordable Cost Solution (ACS-1); Supplemental Outpatient Fixed Indemnity (OP-1); and Hospital Confinement Indemnity (HDI).
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*ACA plans are brokered through Summerset Marketing Company.
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, Reserve National Insurance Company, or MedMutual Life 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.