Toledo Regional Chamber of Commerce | Toledo, OH

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  • Toledo Region
  • Benefits & Services
    • Employee Health Insurance
    • Cost Saving Benefits
    • Marketing Opportunities
    • Member Portal
    • Newsroom
    • Newsletter Archives
  • Talent & Workforce
    • Talent Attraction
    • Expand Your Talent Pool
    • Industry Sector Partnerships
    • Job Board
  • Starting/Growing Your Business
    • Small Business Development Center and Minority Business Assistance Center
    • The Ramp
    • Export Assistance Network
    • Export Success
    • Toledo Area Small Business Association
    • Learning Center
    • Business Development Resources
  • Your Government Relations
    • Public Policy Agenda
    • Endorsements & Voter Resources
    • Institute for Leadership & Advocacy >
      • Institute for Leadership and Advocacy 2023
    • Supporting Veterans & Families
  • Developing Young Professionals
    • EPIC Toledo
    • Summer in the City
  • Upcoming & Recent Events
    • Upcoming Events
    • Recent Events
    • Community Calendar
    • Clambake
  • Your Chamber
    • Become a Member
    • Membership Directory
    • Minority, Women and Disadvantaged Business Enterprise Directory >
      • MWDBE Directory Submission Form
    • About the Chamber
    • Blog
    • Board
    • Staff
    • Contact Us
  • Toledo Region

COSE MEWA

Health and Wellness Trust

Learn More

You Deserve Excellent Insurance

Since 1991, your Toledo Regional Chamber of Commerce and Medical Mutual have worked together to offer small businesses access to high quality health care benefits. We partnered with the Council of Smaller Enterprises (COSE) to offer a new type of health insurance coverage, titled the multiple employer welfare arrangement (MEWA).

Today the COSE MEWA covers over 7,500 small businesses, making it one of the largest MEWA’s in the country and the largest in Ohio. There is strength and security in these numbers. The MEWA allows employers to join their contributions and share risk. A larger pool means greater rate stability, plus there is stop-loss coverage to provide additional protection from large financial losses.  
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Numerous plan options are available, including traditional copay plans and high deductible plans. Prescription drug benefits come with all plans, as well as a suite of wellness programs designed to promote healthy behaviors. There is also the potential for cost-savings because self-funded plans are not subject to some ACA-mandated taxes, fees and benefits, and good health can be reflected in lower premiums.
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Coverage is available for businesses with 50 or fewer employees, including businesses of one. All plans are backed by a provider network of doctors and hospitals you already know, and supported by Medical Mutual’s loyal customer care team. 

    Interested in learning more? Reach out to us:

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More Great Reasons for You to Choose the Toledo Chamber's COSE MEWA

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Attract & Retain Talent 

Your top talent will demand a robust benefit package. This is also important for longevity and retention. Replacing an employee can mean weeks of lost productivity and cost thousands of dollars. It's imperative to make sure your most valuable employees are 100% satisfied with their job and their compensation package.​
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Gain Tax Savings 

Offering health insurance benefits can help you actually save money in a couple of ways. Employers and employees pay less for health insurance when it is purchased at a group level because it is paid for with pre-tax dollars. And when you or your employees contribute to premiums, health savings accounts (HSAs) and/or health reimbursement accounts (HRAs), there are even more tax benefits available. Consult with your accountant for more details.​
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Benefit from Network Access 

Your employees have enough on their minds these days without worrying about changing doctors. Group health plans often have access to large networks of doctors and hospitals compared to an individual plan on the public exchange. This is really important for employees who have already established care with certain caregivers and don’t want to lose these relationships through a smaller network.​
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Get Help from a Broker

Your business demands your attention and as a small business owner, you wear many hats. You want to spend more time managing your business and less time managing your benefits. A broker can guide you through the process and help you find the best health plan for you and your employees. If you don’t have a broker, Medical Mutual can help you find a reputable one through their broker network.
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Take Advantage of Our
​One-Stop Shop

​You have varied needs when it comes to insurance. Dental, vision, group life, accidental death and dismemberment insurance and short-term disability can be added to your health insurance plan. You can also purchase these products independently. Consult with your broker for all the details.​
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Capitalize on All Cost Savings

​In addition to health insurance, as a Chamber member, you can take advantage of savings on electricity and natural gas, office supplies, workers comp and more.
Learn more here
Copyright Toledo Regional Chamber of Commerce.  All Rights Reserved.
300 Madison Avenue, Ste. 200  |  Toledo, OH 43604
PHONE: (419) 243-8191 
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