MEDICAL

At City of North Ridgeville, we understand the importance of good health as the foundation for a productive life at home and at work. That is why we offer medical and prescription coverage through Medical Mutual of Ohio, to fit your needs and budget.

You have the choice between the traditional PPO plan or the High Deductible Health Plan (HDHP). Both plans offer excellent medical and Rx benefits and provide covered in full in-network preventive care benefits. The difference between the plans is how they work.

With the PPO plan you will have set copays for services such as office visits, urgent and emergency care, and prescription drugs without needing to meet the plan deductible first. With the HDHP, for all services you must meet the plan deductible before coverage begins but you will pay less in premiums and you can open an HSA, an account which you fund with pre-tax dollars.

If you elect the HDHP, you are eligible to open a Health Savings Account (HSA). Your deposits to this account are made on a tax-free basis. The City of North Ridgeville will make annual contributions on your behalf.

To ensure that our HDHP remains compliant with IRS rules for pre-tax plans, the HDHP deductible has increased according to the new annual limit.

Preventive care is covered at no cost to you!

Resources

PPO Plan SBC

HSA Plan SBC

CONR- SMP sec 100

CONR-HSA sec 101

Generic Drug Incentive

Home Delivery Incentive

Make the Most of Your Membership

MedMutual Total Health

MMO - Why We Might

SaveOnSP

Where to Find Care

PPO Plan

	In-Network	Out-of-Network
Annual Deductible
Individual / Family	$200 / $400	$400 / $800
Annual Out-of-Pocket Max (includes Deductible)
Individual / Family	$1,000 / $2,000	$2,000 / $4,000
Coinsurance
This is the amount you pay after the deductible is met	10%	30%
Benefits
Office Visits (PCP/SCP/Telehealth)	$15 copay	30%
Routine Preventive Care	No charge	30%
Emergency Room	$300 copay then 10%	$300 copay then 10%
Urgent Care Facility	$15 copay	$15 copay
Prescription Drugs
Retail Pharmacy (30-day supply)	$10 / $20 / $40	$10 / $20 / $40
Mail Order (90-day supply)	$20 / $40 / $60	$20 / $40 / $60

HDHP Plan

	In-Network	Out-of-Network
Annual Deductible
Individual / Family	$3,400 / $6,800	$5,000 / $10,000
Annual Out-of-Pocket Max (includes Deductible)
Individual / Family	$4,200 / $8,400	$8,000 / $16,000
Coinsurance
This is the amount you pay after the deductible is met	20%	40%
Benefits
Office Visits (PCP/SCP/Telehealth)	Deductible; 20%	Deductible; 40%
Routine Preventive Care	No charge	Deductible; 40%
Emergency Room	Deductible; 0% (true emergency)	Deductible; 0% (true emergency)
Urgent Care Facility	Deductible; 20%	Deductible; 40%
Prescription Drugs
Retail Pharmacy (30-day supply)	Deductible; 20%	Deductible; 40%
Mail Order (90-day supply)	Deductible; 20%	Deductible; 40%

Keep in mind that in-network preventive care visits and associated labs are at no cost to you, regardless of which plan you enroll in.

Go Mobile of 24/7 Access:

Download the free Medical Mutual of Ohio Mobile App for iPhone or Android. You can use the mobile app to search for doctors, hospitals, or pharmacies, view benefits and claims, view benefits and claims, view your ID card information and much more! Visit MedMutual.com to find in-network providers.