Solutions for Small Businesses
MedMutual Protect offers individual health insurance solutions designed with small business owners and self-employed in mind. Whether you're looking for more control, more options, or just a better fit for your team, we make it easy to find coverage that works for you.
Pick a scenario that best describes your health insurance needs.
Every small business is unique, and your team’s health insurance should be too. Don’t see the perfect fit? Our agents can craft a solution tailored to your needs.
How can I reduce the cost of covering employees as a small business owner? Are there other options available?
Even with health insurance, out-of-pocket costs can quickly add up especially for employees of small businesses who often face high deductibles and limited coverage options. Finding ways to minimize these expenses is essential.
Solution: Our agents specialize in educating small business owners and their employees about individual health insurance solutions that help lower out-of-pocket costs. We provide guidance on insurance solutions, supplemental health insurance coverage, and strategies designed to protect your budget while ensuring access to quality care.
I’m a small business owner without health insurance. Where do I start?
Running a business is demanding, and finding health insurance for yourself can feel overwhelming. Your situation is unique, and you may not know where to begin. You need clear guidance on all your options and someone to point you in the right direction.
Solution: Maybe you’re currently covered through a spouse, or an ACA plan doesn’t seem like the best fit. Whatever your circumstances, we have a variety of products designed for small business owners like you. Our agents will help you explore every option so you can make an informed decision and protect your health without breaking the bank.
I’m a small business owner retiring soon. What are my health insurance options?
As a business owner, you’ve spent years focusing on your company and your employees. Now, as you approach retirement or are already 65+, your health insurance needs are changing. You know Medicare and supplemental plans are out there, but navigating the options and understanding the costs can feel overwhelming.
Solution: If you’re 64 or older, we can help you transition smoothly from private insurance to Medicare. Our team will guide you through the 1Medicare landscape, explain your options for Medicare Supplement and other plans, and ensure you maintain access to your preferred providers. We make it simple so you can focus on enjoying retirement with confidence.
Can quality health coverage reduce turnover in my business?
In today’s hiring environment, small businesses must not only provide valuable products and services but also deliver strong health insurance options to remain competitive and keep skilled employees.
Solution: We offer a range of affordable plans designed to protect you and your team without breaking your budget. Our agents guide you every step of the way, making sure you get the coverage that fits your needs.
Our health insurance plan covers the basics. What additional options can strengthen our coverage?
Supplemental insurance is essential for filling the gaps that comprehensive health insurance often leaves behind. It provides added financial protection for unexpected expenses such as hospital stays, critical illnesses, or accidents.
Solution: We provide tailored health insurance solutions for small businesses, with options that help fill the gaps. We offer add-on benefits such as Accident coverage, Accidental Death and Dismemberment, Cancer First Occurrence, Dental and Vision, Home Health Care, and Hospital Confinement.
How do I keep employee health insurance affordable as premiums rise?
Rising health insurance costs can strain a small business budget, but there are practical ways to manage them. Exploring tailored plans designed for small businesses is a great start.
Solution: We offer affordable individual health insurance options that help employees manage costs while giving business owners flexibility. Beyond that, we can guide you through other approaches, such as exploring different plan structures, budget-friendly coverage options, and creative solutions that fit your team’s needs. Our agents walk you through every step to ensure you find the best fit for your business and your employees.
Products
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.
Hospital Indemnity Plus
The Hospital Indemnity Plus provides coverage for hospital confinement, surgery benefits, and outpatient procedures. With this policy, there are no deductibles and you choose the benefit plan that best meets your needs.
Accidental Death and Dismemberment
Coverage in the event of an accidental death or dismemberment. Finances should be the last of your worries when an accident happens.
Cancer First Occurence
This policy pays a lump sum benefit upon the first diagnosis of cancer. You can choose between two benefit levels to provide financial protection when you need it most.
Hospital Confinement
Indemnity Policy
Concerned about the potential financial consequences of a hospital stay or surgery? This policy allows you to choose between $3,000 or $4,000 in surgery benefits, with a $100 per day hospital stay, giving you the flexibility to select the coverage that best suits your needs.
Dental Insurance
This policy covers preventative, basic, and major services. Choose from two out-of-pocket level options to give you more control over your budget.
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.
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.
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.
SimpliCare
MedMutual Protect SimpliCare members receive phone or video access to doctors, savings on prescriptions and much more.
Ready to Get Started?
For more information about our small business offerings, or if you are ready to enroll you can request a quote online.
ACA plans are brokered through Summerset Marketing Company.
1MedMutual Protect standard Medicare Supplement Plans are available to those individuals who are under 65 and eligible for Medicare due to disability.
MedMutual Protect does not offer Medicare Part C plans (Medicare Advantage) or Medicare Part D prescription drug plans.
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)
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.