medical mutual

Medical Mutual Insurance

Medical Mutual Insurance is a “mutual” insurance provider operating nationwide, but with a home base in Ohio. It is one of the oldest insurers still operating in the United States. This is because it has been going strong since its founding in 1934.

Medical Mutual is a “mutual” insurance provider. This means that Medical Mutual is owned by its policyholders rather than investors. This puts the power to improve lives in the hands of the employees and the community rather than investors. This also allows Medical Mutual to focus on products and services. Products and services that allow the insurance company to better serve their customers and help the community focus on its health and well-being.

Medical Mutual Insurance covers as many as 1.6 million people nationwide. They employ approximately 2,500 people from Ohio to Maine and are a great place to work.

Medical Mutual offers a wide variety of plans at many different price points. They offer everything from life insurance to dental insurance. They also serve employers, medicare recipients, and individuals that need insurance coverage.

The service philosophy of Medical Mutual Insurance is “We strive to create peace of mind. Our customers can trust us to do things right and to help them get value from their health plan.”

One of the most important aspects of Medical Mutual Insurance is its commitment to the community that they serve. They exemplify this by partnering with programs such as “Habitat for Humanity” and pioneering community events like “Mutual Appreciation.”

Different Types of Medical Mutual Insurance Plans

Medical Mutual Insurance serves 1.6 million people across various economic and employment spectrums. They offer plans that are employer-based as well as plans for Medicare recipients. They even offer plans for individuals seeking coverage through the health insurance marketplace. Below you will find a rundown of some options available through Medicare as well as individual and employer-based plans.


If you are new to Medicare or looking to change plans, Medical Mutual Insurance offers Medicare Advantage insurance with prescription drug plans. Medical Mutual insurance also offers Medicare supplement insurance plans.

Medicare Advantage Plans with Prescription Drugs

Medicare Advantage Plans with Medical Mutual combine the benefits of Medicare A and B with the benefits of Part D prescription drug coverage.

When you buy a Medical Mutual Advantage plan, you get added benefits. You also get free health assessments, community fitness programs, and disease management programs.

Medicare Supplement Insurance Plans

Medicare Supplement (also known as “Medigap”) plans help with costs that Medicare doesn’t cover. These costs include deductibles, copays, and coinsurance premiums. You can view and compare these supplemental insurance plans at the Medical Mutual Insurance website.

Policies for Families and Individuals

Medical Mutual Insurance offers a variety of individual health insurance plans. This is to meet the needs of you and your family. These health insurance plans include medical, short-term disability, dental, vision, and more. Some highlights of their offerings are below.

Medical Insurance

Medical Mutual Insurance offers a variety of medical plans using Health Maintenance Organization (HMO) networks. Plan options include both “Copay Plans” and “High-deductible Plans.” All plans include various levels of prescription drug coverage.

Short-Term Health Plans

Short-term health insurance coverage from Medical Mutual Insurance can help bridge the gap in insurance coverage during an employment transition. These plans can save money over more comprehensive coverage such as COBRA. However, they do not cover pre-existing conditions and are really just a stop-gap between full-coverage.

Accident and Critical Illness

Medical Mutual insurance can give you peace of mind in the event of an unforeseen health emergency. There are several different plans available that you or your family can benefit from.

Life Insurance

Life insurance with Medical Mutual Insurance provides the coverage needed during times of loss. This coverage can range from just a few thousand dollars of term or whole life to policies worth well over a million dollars.

In-Network vs.Out of Network Care with Medical Mutual

Most insurance providers have a somewhat limited number of “in-network” care partners and Medical Mutual Insurance is no exception. A care provider that is “in-network” has specifically been sanctioned by Medical Mutual Insurance. An in-network insurance provider has also agreed to accept payment from Medical Mutual plans.

Utilizing care providers that are “in-network” can help you minimize your out-of-pocket expenses and avoid hidden fees. Visit the Medical Mutual website or talk to an advisor to find a list of qualified care providers in your area.

If you have an HMO plan, you won’t receive coverage for out-of-network care. Out-of-network care is generally not covered. However, emergency services will generally be covered regardless. The coverage will be determined by the benefits of the specific plan.

For those with a PPO or POS plan, Medical Mutual Insurance will usually cover some portion of out-of-network costs. If it is not an emergency procedure, make sure to take the time to determine the cost of various coverages to decide a good balance between cost and level of care.

Addiction Treatment with Medical Mutual Insurance

Depending on your plan and level of coverage, it is likely that Medical Mutual Insurance will offer at least partial coverage for drug and alcohol rehab and detox services.

Does Medical Mutual Cover Detox Services?

Most Medical Mutual Insurance plans cover detoxification services. This includes both HMO and PPO plans and those with or without copays. The deductible and the total out-of-pocket maximum will determine the total amount of the cost of care.

Does Medical Mutual Cover Rehab?

All standard Medical Mutual insurance plans cover at least some of the fees associated with both inpatient and outpatient addiction rehabilitation facilities. Depending on your coverage area, there may be a limited number of locally-based programs.

Medical Mutual also offers out-of-network coverage but recommends a consultation before agreeing to treatment. Again, the cost of care is determined by the specifics of the individual plan.

Addiction Treatment Length Medical Mutual Will Cover

With Medical Mutual Insurance, the amount of care coverage provided is dependent upon the type of treatment facility needed. Most plans will cover around 20 days of inpatient coverage per calendar year. For outpatient care, a standard amount is also around 20 days per benefit period.

Specialty Alcohol and Drug Treatment Through Medical Mutual

It is important to research the different treatment options before committing to a specific one. Many folks are accustomed to a high level of living. A more luxurious treatment accommodation might be for you.

Generally, the same percentage will be covered and the out-of-pocket maximum still applies. Just beware, as many luxury rehab facilities can be as expensive as $10,000-$30,000 a month. If you feel that these luxury amenities are necessary for you, make sure to check with your care provider and get an up-front breakdown of costs.

Insurance for Inpatient Addiction Treatment vs. Outpatient

It is important to consult with an addiction treatment expert before deciding what level of care is necessary. Medical Mutual, as well as most other insurers, will provide some coverage for Inpatient, outpatient, and residential treatment facilities.

After developing a treatment plan with your care specialist, you can begin the important decision about which facility is right for you. Hopefully, your treatment center of choice will be in-network, but if not, you can begin approval for an out-of-network provider.

Use Your Health Insurance to Cover the Cost of Addiction Treatment At Florida Center for Recovery

At Florida Center for Recovery (FCR), we accept in-network coverage from numerous different health insurance companies, including Medical Mutual. That way you can cover the cost of our addiction treatment programs.

At Florida Center for Recovery, we also have trained personnel that are highly knowledgeable about insurance regulations and rules when it comes to coverage for detox and addiction treatment. If you need assistance negotiating your insurance benefits and level of coverage for detox and addiction treatment from your health insurance company, you can use one of our trained insurance personnel to do it for you.

In fact, if you give us permission to negotiate your insurance benefits for coverage for detox and rehab for you, our staff will even fill out all of your insurance-related paperwork. That way, you don’t have to worry about how you’re going to pay for rehab here at FCR. This will free you up to be able to focus on what truly matters, achieving sobriety.

To learn more about Florida Center for Recovery and the various different addiction treatment programs and services that we offer, contact us today! We can help you overcome addiction and get your life back on track once and for all.

Contact Florida Center for Recovery 24/7 Confidential Consultation

Call 844-989-4036 or fill out the form below