MMO: MedMutual Access PPO Out of Network Copay Clarification

Special Broker Update

Sourced from MMO communication on 3/31/22


In 2022, Medical Mutual introduced a new Medicare Advantage $0 premium MedMutual Access PPO plan. We appreciate the interest you’ve shown in this plan so far.

We recently learned that we miscommunicated a plan feature during our broker training sessions and want to clarify. With the Access PPO plan, the out of network $2000 deductible will apply first, before out-of-network copays are applied.

We apologize for the inconvenience this miscommunication may have caused. 


If you have any questions please contact your CSM representative for more information.


Medical Mutual of Ohio: MedMutual Advantage® PPO Plans Available for Year-Round Enrollment

Sourced from MMO’s Special Broker Update Email from 1/26/22:


Medical Mutual is happy to announce our MedMutual Advantage PPO plans received Medicare’s highest rating, 5 out of 5 Stars, for 2022. The Centers for Medicare and Medicaid Service (CMS) rates Medicare Advantage plans annually on the quality of their health and drug services.

  • Medical Mutual was awarded 5 out of 5 Stars for providing members access to the care they need when they need it and helping them quickly make any necessary healthcare appointments
  • Medical Mutual achieved 5 out of 5 Stars for providing top-notch customer service
  • Medical Mutual attained 5 out of 5 Stars by delivering the highest quality healthcare coverage to their members on a consistent basis

Because of this high ranking, Medicare beneficiaries can use the one-time 5-Star Special Enrollment Period (SEP) anytime until Nov. 30, 2022, to switch to a MedMutual Advantage PPO plan. Medicare Advantage plans are a great choice for clients who are looking to change and upgrade their access to healthcare coverage.

How to Apply:

If your clients prefer to enroll in a MedMutual Advantage PPO plan during this SEP with a paper application, they will need to use an updated Enrollment Form instead of the one included in the enrollment booklet. This updated form is available on MyBrokerLink. We have also updated our online application for this SEP. The online application is our preferred enrollment method. When filling out either form, your client should indicate that he or she is joining a plan with a 5-Star Enrollment Period.

Marketing Collateral Material Available:

We are developing a number of marketing materials you can use with your clients during this SEP, including fliers, postcards and advertisements. Your Medical Mutual Account Manager can help you identify the appropriate material for your audience and customize it with your contact information.

5-Star SEP Marketing Rules & Limitations:

  • Clients can only switch to a 5-Star rated plan one time during the SEP
  • Any reference to the overall Star rating must make it clear the rating is “5 out of 5 Stars” for Medical Mutual’s 2022 MedMutual Advantage PPO plans. This should not imply that our highly rated 4.5-Star HMO plans are available during the SEP
  • Medicare clients can be informed the 5-Star SEP is available and they can be enrolled in a 5-Star plan from Dec. 8, 2021-Nov. 30, 2022
  • You are not permitted to specifically reach out to clients enrolled in lower-rated plans nor tell them to specifically request this SEP
  • You can put out general marketing communications or announcements to all clients who have the option to switch to a 5-Star plan during this SEP and encourage them to contact you to learn more

Marketing Material Requirements:

  • All materials must include the appropriate disclaimer that refers to Star ratings:
    • “Medicare evaluates plans based on a 5-Star rating system. Star Ratings are calculated each year and may change from one year to the next.”
  • Marketing materials cannot specifically target enrollees in poor performing plans

You may include CMS’ gold star icon on materials that clearly relate to the contract that received 5 out of 5 Stars. It is prohibited to create your own gold star icon.



Medical Mutual of Ohio: Important Information on Secure HMO Plan LIS Levels

Taken from MMO’s Special Broker Update from 10/21/21:

Important Information on Secure HMO Plan LIS Levels


As you know, the Secure HMO plan has been a great option for those members who are full LIS. It has also provided agents the opportunity to offer a competitive plan at $0 premium. We feel it is important to share in advance that, as we move into 2022, the premium will be changing. Members who are full LIS will now receive a bill for $2 per month beginning in January 2022. 


We understand expenses are a priority for these members, which is why we wanted to ensure you were made aware of this change. We also want to provide you with the information in advance so you can reach out to your clients and determine which product best fits their needs moving forward. 


Click Here to view the Secure plan LIS premium levels for 2022. You can download a copy of this flier on MyBrokerLink.



If you have any questions, please reach out to your Cornerstone Senior Marketing rep.

Medical Mutual of Ohio Broker Update: New Member Assessment Rewards

MMO Broker Announcement from 10/5/21: 

New Member Assessment Rewards Brokers and Helps Medicare Advantage Members

Applies to: Medicare Advantage


Starting Oct. 15, 2021, Medical Mutual will pay brokers $100 each time they submit a member assessment on the behalf of newly enrolled Medical Mutual Medicare Advantage members with 2022 effective dates. To earn the $100 payment, brokers must complete the assessment with the member within three business days of enrollment.

In addition to the New Member Assessment Program reward, we are also pleased to announce that starting Jan. 1, 2022, Medicare Advantage renewal rates for policies with an original effective date on or after Jan. 1, 2021 will be updated each year based on the Fair Market Value renewal rates set by the Centers for Medicare and Medicaid Services (CMS).

New Member Assessment Program Details:

The new member assessment is meant to connect newly enrolled Medicare Advantage members to the helpful resources and programs that Medical Mutual offers to help them navigate their benefits and maintain their best health possible. Resources and programs for members include dedicated care navigators, transitional care services and more.

The new member assessment is built into the online application process and will be available via a link on the application confirmation page. It will also be included in the submission confirmation email. It takes approximately five minutes to complete.

To learn more about the assessment and its benefits for members and brokers, please review the New Member Assessment flyer.

Medical Mutual will also be hosting two virtual meetings to review the New Member Assessment Program and answer your questions. There will be two meetings to meet your schedule:

October 6
10 a.m. – Join us on Zoom:
Meeting ID: 845 9852 5701
Passcode: 114258

October 7
10 a.m. – Join us on Zoom:
Meeting ID: 845 9852 5701
Passcode: 114258


Pre-Order Your MA Supplies Now with Medical Mutual of Ohio & More

MMO Special Broker Update from 8/24/21:

Subject: Pre-Order Your Medicare Advantage Supplies Now

Pre-orders for 2022 Medicare Advantage materials are now available in the Order Materials section of
MyBrokerLink. This pre-order opportunity will close on Wednesday, September 8, though you will be
able to continue ordering after that date. Only orders placed by September 8 will be guaranteed for
arrival prior to October 1. Any orders received after September 8 will start shipping on October 1 in the
order they were received.

Visit MyBrokerLink now to place your order for any materials you need for the 2022 Annual Enrollment
Period, including updated pre-enrollment kits for all regions. This year’s kits are customized to the HMO
and PPO plans in each region where we expect you to have a majority of your sales. Each kit includes
individual Summary of Benefits documents, an application specific to that region and a brochure
explaining the benefits of our plans.

MedMutual Advantage product additions and enhancements for 2022:

• Significantly enhanced $0 Signature HMO*, including $0 specialist copay
• New $0 Access PPO plan**
• Substantial cost reductions in diagnostic services (PET scans)
• Cost reductions in Tier 2 prescription drug copays
• New visitor/travel benefit of $2,500 maximum
• Expanded dental benefits to include comprehensive coverage up to $1,000*** in addition to
preventive services

* Available in Cuyahoga, Lake, Medina, Portage, Stark and Summit counties
** Available in Northeast Ohio and Central Ohio, Cincinnati/Dayton and Toledo
*** Available in Signature HMO plans

Medical Mutual: Preparing for the Upcoming Medicare Sales Season

Special MMO Broker Announcement form 6/17/21:

As we prepare for the upcoming Medicare Annual Enrollment Period, we have two important reminders for Medicare-affiliated brokers and agencies regarding our Annual Medicare Advantage Certification and marketing materials to help grow your book of business.

Annual Medicare Advantage Certification Begins June 28, 2021
It’s time to complete your Medical Mutual Medicare Advantage certification. There are numerous changes to the certification process this year, so we encourage you to read this entire update.

2022 Training Course Requirements

You must complete AHIP certification before gaining access to the Medical Mutual certification modules, AHIP will automatically share your completion dates with Medical Mutual once you log on to your Web Courseworks account.

To access your account please follow the below:
• Log into MyBrokerLink
• Select Sales & Quoting
• Select Medicare Advantage
• Training and Certification.

Completion of the 2022 training will certify an agent for both the 2021 and 2022 plan years through a combination year certificate.

Agents will be given five attempts to reach a passing score of at least 85%. The exception to this is the Title 18 attestation module, which must be passed with a 100%.

As a reminder: Agents are given a $50 discount by accessing AHIP training through our Medical Mutual link. If you completed NAHU general compliance and FWA training, please email for assistance in accessing the certification modules.

Training Modules and Additional Resources
The Training content pdf can be downloaded from Web Courseworks upon module completion. For 2022 certification, you will not be required to complete the Sales Event module unless you are also certifying for 2021 or will be hosting local area marketing events representing Medical Mutual. As a reminder, the educational video plays at the end of the Dos & Don’ts: Formal Educational Events module. You must remain on the first slide of the video for at least one minute. We recommend watching the entire video, however you will have the option to stop the video and complete the module.

Interested in growing your Medical Mutual Medicare book of business? We are here to help!

We have a large portfolio of marketing pieces such as fliers, letters, postcards, banners, advertisements and brochures. Nearly all of these materials are available for personalizing with your agency logo and contact information.

Whether you are marketing during AEP or to a Turning 65 audience, we have the right materials for you. Simply click here to view samples of all that is available to market to your prospects. Please watch out for upcoming product meetings in your region.


If you have any questions regarding Medical Mutual of Ohio’s 2020 certification process, please contact your CSM SERVICE REP.

MMO Updates to their Medicare Advantage Certification Site- Please Read!

Medical Mutual of Ohio Notice:

MMO has made updates to their Medicare Advantage Certification site. the first time you access the new site AFTER 5/10/2021, you will need to select the “Forgot your Password” link to reset your password and access to new site.


REMINDER: MMO will no longer be accepting Enhanced Access Forms effective 5/17/2021. Principals and Agency Administrators now have the ability to grant enhanced access for agency employees.


Any questions or concerns, you can reach out to your Cornerstone Senior Marketing service representative.

MMO: Updates to MyBrokerLink Enhanced Access Process

Medical Mutual of Ohio Special Broker Announcement from 5/4/21:

Effective May 4, 2021, the process for obtaining Enhanced Access on MyBrokerLink is changing. Currently, employees must complete the Enhanced Access request form and send it to Medical Mutual for processing and approval. The updated process provides agencies the ability to grant Enhanced Access on their own without filing a form with Medical Mutual.

Principals and Agency Administrators will have the ability to grant Enhanced Access to employees at their agency directly through their MyBrokerLink account.

Important: You will be responsible for establishing a process within your agency for employees to request access. If you wish to appoint someone at your agency to grant access to users, you can assign that employee as an Agency Administrator. It is also important to review who has access to your agency’s book of business and deactivate accounts when appropriate. Please be reminded that MyBrokerLink accounts are not to be shared. Anyone who needs access to MyBrokerLink must have their own account.


What is Enhanced Access?
Enhanced Access gives users access to your agency’s book of business. When users initially register, they are not automatically given this permission. Enhanced Access also includes access to our group quoting systems for Non-Appointed Users.

What access do Appointed Producers automatically have?
Appointed Producers have Group and Individual administration access, which allows them to access their personal book of business. Appointed Producers also have access to Medical Mutual’s quoting systems.

What access do Non-Appointed Users automatically have?
Non-Appointed Users have access to Medical Mutual marketing materials.

Can I still use the Enhanced Access form?
No, the Enhanced Access form will no longer be accepted starting Monday, May 17, 2021.


For questions or concerns on MMO’s BorkerLink update, please contact your CSM Service Rep.

Medical Mutual Feb. Updates- PLUS Summa Health Added to Network!

MMO Broker Update: 2.2.21:

Summa Health Added to Medicare Advantage Network Effective April 1, 2021
Category: Network
Applies to: Medicare Advantage
Effective April 1, 2021, Summa Health and their employed physicians will be part of the Medical Mutual Medicare Advantage network. Summa Health offers a wide range of high-quality primary care providers, specialists, hospitals and other facilities throughout Summit, Medina, Portage, Stark and Wayne counties.

We are in the process of updating our directory for the effective date. In the interim, please direct provider inquiries to your Medical Mutual representative.

Aultman, Aultman Orrville and Alliance Community Hospitals Added to NE Ohio HMO Network Effective Feb. 15, 2021
Category: Network
Applies to: Individual
Effective Feb. 15, 2021, Aultman Hospital, Aultman Orrville Hospital and Alliance Community Hospital will be part of the Medical Mutual NE Ohio HMO network. Aultman offers a wide range of high-quality hospitals and other facilities throughout Stark, Tuscarawas, Carroll, Holmes and Wayne counties.

We are in the process of updating our directory for the effective date. In the interim, please direct provider inquiries to your Medical Mutual representative.

2021 COSE MEWA Benefit Changes and SuperMed Share® Launch
Category: Network
Applies to: MEWA
The COSE MEWA product portfolio is updated with new plan additions and plan modifications for 2021. Among these updates, is the expansion of SuperMed Share® to the COSE MEWA market. All 2021 COSE MEWA plan designs are available for quoting in early February, with an effective date of May 1, 2021…
Read More »
Formulary Updates Effective April 1, 2021 for National Preferred Formulary
Category: Pharmacy
Applies to: Individual, Small Group (1-50), 51-99, 100+, MEWA
Effective April 1, 2021, minor changes are being made to the exclusion list for our National Preferred/National Preferred Plus formulary. A list of drugs added to the list can be viewed here. In addition, a full updated exclusion list is available here. There are no changes to the Basic/Basic Plus or High Performance Plus formularies at this time.

As a reminder, the National Preferred/National Preferred Plus formulary applies only to specific self-funded groups that elected it, including most MedFlex plans. Any members currently taking affected medications will receive a letter notifying them of these changes at least 60 days before they take effect. These changes will immediately apply to new groups that enroll on or after April 1, 2021 and any members who begin taking these medications after April 1, 2021.


MMO News: COVID-19 Vaccine Coverage and Availability

Special Broker Update Release from MMO – 12/14/20
Important Information About COVID-19 Vaccine Coverage and Availability

The U.S. Food & Drug Administration (FDA) has authorized the first COVID-19 vaccine. The vaccine is an important step toward preventing the spread of the virus. While there is still a lot of uncertainty around the vaccine distribution plans, we want to keep you informed regarding Medical Mutual’s plans related to coverage for the vaccine.

COVID-19 vaccine availability for all members

The federal government is coordinating the distribution plans for the COVID-19 vaccine with state health agencies. Initially, there will be a limited supply of the vaccine and it will be distributed to the populations at the highest risk, including healthcare workers, first responders such as police and paramedics, individuals residing in group settings (such as nursing homes), and people with underlying health conditions that put them at risk for serious complications from COVID-19.

Each state will communicate its distribution plans to the population. Groups and members located in Ohio can visit and click the COVID-19 Vaccination Program tab for more information. Members who live outside Ohio, or groups with a large number of employees located outside Ohio, should refer to the state health agency’s COVID-19 website for details.

Once the COVID-19 vaccine becomes widely available, members will be able to receive the vaccine from healthcare providers and pharmacies. There may also be community vaccination sites set up throughout the state. Members should use the national vaccine finder website at to find a convenient location to receive the vaccine. Please note: It may take several weeks for the information on the national vaccine finder to be updated as the vaccine makes its way across the country.


Coverage of the COVID-19 vaccine

For the remainder of 2020 and all of 2021, Original Medicare will cover the costs of all necessary doses of the COVID-19 vaccine, as well as the cost to have someone administer the vaccine, for Medicare Advantage, EGWP and Medicare Supplement members. No member cost sharing will be applied. After the public health emergency ends, the COVID-19 vaccine will be included as a preventive benefit under the members’ health plans beginning with the 2022 plan year.

Medicare Advantage and EGWP members can receive the vaccine from providers outside of the Medical Mutual Medicare network with no member cost sharing during the public health emergency declared by the U.S. Department of Health and Human Services.

Medicare Supplement members can receive the vaccine from any provider or location that accepts Medicare.

If you have questions about Medical Mutual’s response to COVID-19, please contact your Cornerstone Senior Marketing Representative.