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CASE STUDY Limited Benefit Medical Insurance Medium shot of woman running in a park. How the plan worked for Kristin Kristin was on her daily run when she started to feel pain in her right side. She immediately returned home, feeling nauseous and experiencing chills. Kristin called her friend and they decided to go to the hospital where doctors determined Kristin needed to have an emergency appendectomy. Kristin was in the hospital for two days post-surgery. After learning her appendix ruptured and that she would need surgery, Kristin was worried about paying for expenses not covered by her Minimum Essential Coverage insurance plan. She was thankful she decided to enroll in the MedMutual Protect Limited Benefit Medical plan where she could receive benefits for emergency room visits, hospital stays and more. Chart showing benefits paid to Kristin for covered medical expenses. Benefits Paid to Kristin Appendicitis Emergency Room Visit: $50 Hospital Admission: $100 Inpatient Surgery: $500 Hospital Confinement: $400 Outpatient Physician Office Visit for Follow-up: $50 Total Paid to Kristin: $1,100 *Coverage based on MedMutual Protect Limited Benefit Medical plan. Actual coverage may vary. Please check for your state’s plan availability at MedMutualProtectBenefits.com. This case study is a fictional example based on estimated costs. Please see MedMutual Protect Limited Benefit Medical insurance Features and Benefits before making a decision.
CASE STUDY Short Term Disability Insurance Close-up of young woman driving a car with a smile on her face. How the plan worked for Alice On her drive to the gym, Alice’s car was rear-ended at a traffic light. Her injuries required surgery and a 6-week recovery at home. Alice barely had enough savings to pay her bills with the 6-week salary loss, but she did have Short-Term Disability Insurance from MedMutual Protect. With her Short-Term Disability benefit and one week of sick leave remaining for the year, Alice was able to keep her bills paid without spending all of her savings or dip into her retirement funds. Without Short-Term Disability coverage, Alice would have needed an extra $3,600 to keep her bills paid. Chart showing how Alice’s Short-Term Disability benefit helps cover her 6-week salary loss. Alice’s Total Salary Loss: $6,000 ($1,000/week) One Week Paid Sick Leave: $1,000 Short-Term Disability Benefit: $3,600 Total Paid to Alice: $4,600 *Coverage based on MedMutual Protect voluntary worksite Short-Term Disability insurance plan with a benefit of up to $700/week or 60% of insured’s salary with no elimination period. Actual coverage may vary. Please check for your state’s plan availability at MedMutualProtectBenefits.com. This case study is a fictional example based on estimated costs. Please see MedMutual Protect voluntary worksite Short-Term Disability insurance Features and Benefits before making a decision.

Limited Benefit Medical Insurance

With ever-increasing healthcare costs, both employers and employees need affordable medical insurance solutions. MedMutual Protect’s Limited Benefit Medical insurance policy gives employees an option for benefits to help keep them healthy and increase productivity.

MedMutual Protect Limited Benefit Medical insurance is a solution that encourages employees to seek care when they need it instead of worrying about medical costs. With a Limited Benefit Medical policy, employees have:

  • Coverage for spouse and children.
  • Benefits for expected and unexpected medical costs.
  • Guaranteed issue coverage.

How it Works

1

Select a policy option.

2

If a covered employee or family member gets sick or injured, the policy pays covered indemnity benefits for hospital stays, doctor’s office visits, X-rays, lab tests and other procedures.

  • This coverage is in addition to any other medical insurance you may already have.
  • Benefits are paid directly to you with no restrictions on how the money can be used.
3

MedMutual Protect Discount Program: The MedMutual Protect non-insurance discount program provides access to a Discount Vision Policy, Nurse Hotline, Counseling Services, Hearing Aid Benefit, Personal Health Assessment (PHA), and Healthy Living Educational Programs*.

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Short Term Disability Insurance

When it comes to insurance, most people protect their possessions, such as vehicles and homes, and plan for the unexpected with life insurance, but many people forget to protect a less obvious, yet important element of their lives—the ability to work and earn a living.

5.6% of working Americans will experience a short-term disability (six months or less) on average every year.1

MedMutual Protect Short Term Disability insurance provides partial replacement of an employee’s income in the event the employee suffers an injury or illness that requires the regular care of a physician and results in the inability to do his or her work. With a Short Term Disability policy through MedMutual Protect, employees receive:

  • Convenient coverage through payroll deductions.
  • The option to choose benefit duration periods.
  • Waived disability premiums during any covered disability.

How it Works

1

If you’re unable to work because of an accident or illness, simply file a claim.

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Your benefits will begin after the waiting period and you’ll receive a check for the benefit amount you selected during enrollment.

  • You’ll get paid weekly for the benefit term.
  • Use the money for anything you need including your mortgage or rent payment, utility bills or groceries.

Help employees prepare for the unexpected.

*The MedMutual Protect Discount Program is a non-insurance benefit.

1 Council for Disability Awareness “Disability Statistics” disabilitycanhappen.org/disability-statistic/ ( Accessed 2021 )