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 Benefit Plan covers over 8,000 small businesses, making it one of the largest MEWAs in the country and one of 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.
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.
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.
Today the COSE Benefit Plan covers over 8,000 small businesses, making it one of the largest MEWAs in the country and one of 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.
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.
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.
More Great Reasons for You to Choose the Toledo Chamber's COSE Benefit Plan
Attract & Retain TalentYour 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 SavingsOffering 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 AccessYour 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 BrokerYour 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
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Capitalize on All Cost SavingsIn 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.
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