Whether you choose a Health Savings Account, Health Reimbursement Arrangement or a traditional copay plan, the following resources will provide you with everything you need to get started.

Links and forms:

Underwriting Guidelines
These guidelines summarize your group’s requirements for participating in the MEWA. Refer to this document for help with setting up funding rate contributions, determining residency and enrollment requirements, and more.

Summary of Plan Description
The summary plan description (SPD) describes benefits and terms of coverage. Medical Mutual provides a generic SPD by wrapping the Plan Document with the Benefit Book for each employee. To help you create a group-specific SPD, the COSE MEWA offers a template and additional compliance services.

Summary Plan Description Help


Billing and Payment Options

To avoid the monthly $25 billing fee, you have the option to sign up Electronic Funds Transfer (EFT) or to use Medical Mutual's EmployerLink and “opt-in” to Go Paperless.

When you have your Funding Rates and all other amounts due automatically deducted from your bank account (via direct debit), no billing fee applies. If you wish to pay by check, you will be charged a monthly billing fee of $25. If paying by direct debit, the payment, in the full amount as billed, will be deducted from your account on the first business day of every month.

Learn more about the COSE MEWA:

Small Employer Exception (SEE) Required Filing

Employers with fewer than 20 employees AND a covered working employee age 65 or older or working employee with covered spouse age 65 or older are required to submit the attached.