MedMutual Protect Medigap Review
On December 1, 2022, Medical Mutual acquired Reserve National Insurance Company, formerly Kemper Health, and is now known as MedMutual Protect. The purchase of Reserve National now gives Medical Mutual a national presence in almost all U.S. states.
Reserve National, headquartered in Oklahoma, was founded in 1956 and is now a subsidiary of Medical Mutual, offering Medicare Supplement plans for many years. It was rebranded under the MedMutual Protect name in 2022. In the state of Ohio, Medicare Supplement policies are still issued under the original Medical Mutual of Ohio name.
Who Owns MedMutual Protect?
Medical Mutual started in Ohio in 1934. It’s an A.M. Best A-rated company that owns MedMutual Protect. As a non-profit mutual organization, they prioritize caring for their policyholders over stockholders. They’re one of the oldest insurance companies in the U.S. and one of the largest insurance companies in Ohio.
MedMutual Protect Medigap (Medicare Supplement) Choices
MedMutual Protect offers Medicare Supplement plans in 31 states including: Alabama, Arkansas, Arizona, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisianna, Michigan, Mississippi, Missouri, New Mexico, Nebraska, Nevada, North Carolina, Oklahoma, Pennsylvania, South Carolina, South Dakota, Texas, Tennessee, Utah, West Virginia, Wisconsin, Wyoming and Virginia.
Medigap plans are differentiated by letters. MedMutual Protect offers plans A, D, F, High Deductible F, G, High Deductible G, and N. If you first became eligible for Medicare after December 31, 2020, you can’t buy an F or High Deductible F.
Should You Apply For A Guarantee Issue Policy?
If you’re going to purchase a new Medigap policy using a Guarantee Issue (GI) right like a Birthday Rule, or if your employer coverage is ending, your choice of plans is limited based on when you became eligible for Medicare. If you were eligible to enroll in Medicare before January 1, 2020 you’ll have to purchase an F or High Deductible F plan under GI rules. Anyone else needs to choose between a G or High Deductible G plan. You can’t purchase plan Plan N using a Guarantee Issue special election period. You can always apply for any plan they offer if you are willing to answer the health questions on the application.
You should use your Guarantee Issue right to enroll if you’ve been treated or diagnosed with any of the following conditions because you probably won’t be medically approved if:
Ever had or are currently:
- AIDS
- AIDS Related Complex (ARC)
- Alzheimer’s Disease
- Amyotrophic Lateral Sclerosis (ALS)
- Aortic or Cardiac Aneurysm that has not been surgically operated
Cirrhosis - Chronic Hepatitis
- Chronic Obstructive Pulmonary Disease (COPD)
- Other Chronic Pulmonary Disorders to include: Chronic Bronchitis, Chronic Obstructive Lung Disease (COLD), Chronic Interstitial Lung Disease, Chronic Pulmonary Fibrosis, Cystic Fibrosis, Sarcoidosis or Bronchiectasis
- Chronic Kidney Disease or Insufficiency
- Crohn’s Disease
- Dementia
- Diabetes if taking insulin to control
- Emphysema
- Kidney Disease Requiring Dialysis
- Multiple Sclerosis
- Muscular Dystrophy
- Myasthenia Gravis
- Organ Transplant or Advisement to have an Organ Transplant (excluding cornea transplant)
- Osteoporosis with Fractures
- Parkinson’s Disease
- Positive HIV
- Scleroderma
- Systemic Lupus
- Ulcerative Colitis
- Use of supplemental oxygen
- Implantable Cardiac Defibrillator
- Bedridden
- Confined to a Wheelchair
- Assistance of a Motorized Mobility Device
- Amputation caused by Disease
- Currently Hospitalized
- In a Nursing Home or Assisted Living Facility
- Been hospitalized two or more times in the past year
- Currently using the services of a Home Healthcare Agency
- Advised by a physician to have surgery (including cataract or joint replacement), medical tests, injections in a physician’s office, infusions, or therapy that has not been performed
Diagnosed, treated or taken medication in the last 2 years for:
- Heart Attack, cardiac angioplasty, bypass surgery, or stent placement/replacement
- Vascular angioplasty, endarterectomy, or implantation of a pacemaker
- Stroke or transient ischemic attack (TIA)
- Alcoholism or drug abuse
- Angina
- Cardiomyopathy
- Coronary Artery Disease
- Carotid Artery Disease
- Congestive Heart Failure
- Internal cancer (examples include but are not limited to breast, lung or liver cancer, etc.), leukemia, melanoma, Hodgkin’s disease, or lymphoma, Neuropathy, Peripheral Artery Disease
- Peripheral Vascular Disease
- Peripheral Venous Thrombotic Disease
- Any mental or nervous disorder requiring inpatient treatment by a psychiatrist
Had treatment, been prescribed, taken new medication, increased dosage in medication, visited a hospital or urgent care in the last 12 months for:
- Atrial Fibrillation
- Degenerative Bone Disease
- Heart Valve Disorder
- Heart Rhythm Disorder
- Pancreatitis
- Rheumatoid Arthritis
- Spinal Stenosis
Does MedMutual Protect Offer Any Discounts?
You’ll qualify for a discount if you live with at least one, but no more than three with people in your household for the last 12 months. The exception to this is if you life in Indiana and Oklahoma, which both require the additional household resident to also have a policy with the company to qualify for the household discount.
Medical Mutual Subsidiaries
Medical Mutual offers a variety of products to individuals and companies in 45 other states and Washington, D.C. Medical Mutual’s products include Medicare Supplements (Medigap), Home Health Care Insurance, Dental, and Specified Disease plans. Here’s a list of their subsidiaries.
Bravo Wellness
Employee wellness programs. This helps employers maintain competitive benefits and control long-term healthcare costs, focusing on risk prevention and reduction.
ESI Employee Assistance Group
An employee assistance program, offering an array of online training seminars, employee coaching, and a self-help center.
Medical Mutual Services LLC
Medical Mutual Services LLC is the branch that leases the provider network in Ohio and Boone, Kenton, and Campbell counties in Kentucky. It also administers claims processing and customer services for all of Medical Mutual’s health savings accounts (HSA), flexible spending accounts (FSA), and health reimbursement accounts (HRA).
Medical Health Insuring Corporation of Ohio
Medical Health Insuring Corporation of Ohio (MHICO) is a licensed insurance company used as a platform for Medical Mutual’s HMO products, as well as individual health, dental, vision, and Medicare Supplement offerings.
MedMutual Life Insurance Company
Group life and disability products. Including basic life, accidental death and dismemberment, voluntary life, short- and long-term disability, family and medical leave administration, and indemnity/accident/critical illness.
Mutual Health Services
An unincorporated but separately branded division of Medical Mutual Services LLC that provides specialty third-party claims processing to self-funded groups seeking design and product flexibility. Customers partner with Mutual Health Services for care management, prescription drug, and stop-loss services. In addition, Mutual Health Services offers state-of-the-art, web-based analytics and reporting that deliver actionable information to help employers understand, predict, and lower benefit costs.
Superior Dental Care
Dental benefit plans with the option of in or out-of-network access.
Paramount
A health insurance company that offers Medicare Advantage Plans, large and small group commercial plans, individual health insurance plans on the federal health insurance exchange, and short-term plans.
Medical Mutual, the oldest insurance company in Ohio is a mutual company. They’re owned by members so they don’t have stockholders or pay dividends to investors. They’re focused on the products and services that benefit customers and their communities.
How To Get More Details Or Apply For A Plan
To learn more about the MedMutual Protect Medigap policies or apply for a policy, complete the Customized Quote form or call (614) 402-5160 and we’re happy to help.