Health Insurance for MEWA

We know that brokers play a huge role in guiding our members in selecting a plan that is right for them, so we wanted to insure that you have the most current information at your fingertips. Below you will find current news, updates and reminders. Please check back routinely as we will be updating this page with the most current information. 

You must be a certified broker to sell this product. Please contact your Medical Mutual Representative to receive the proper training and certification.

Frequently Used Broker Forms

Broker Updates, News & Reminders

1094 / 1095 
1095B forms are sent to employees on an annual basis by Medical Mutual. They are generally sent in mid-February to the employee’s home address. 
1094B forms are filed with the IRS on behalf on the employer. 

Annual Notice of Health Benefit Reminders
As required by ERISA, the Annual Notice of Health Benefit Reminders was sent to all COSE MEWA participating employers in February. It is the employer’s responsibility to share this information with their employees. You can click the following links for the cover letter and accompanying notice:

Sole Proprietor / Group of One Affidavit
The Group of One Affidavit may not be required in all instances. Use these guidelines as a starting point, if there are questions underwriting may follow-up.

Examples of when Group of One Affidavit may not be required:

  • There are W2 wages for an employee other than the owner (ie: part time employees)
  • There is a quarterly wage and tax report available
  • A husband and wife only business where one of them shows up on quarterly report as W2 employee
  • Tax forms provide evidence of full-time business revenue

Admin Reminders

  • Encourage your groups to enroll in paperless billing through EmployerLink
    • Groups that sign-up for EFT withdrawal also avoid the $25 monthly admin fee
    • EFT is withdrawn the first week of the month
    • Groups can view their invoice on EmployerLink and can sign-up for email notification
  • Once enrolled, enrollment changes should be process through EmployerLink or sent to (not sent through FormFire or EasyApps) 

ID Cards

ID cards can be ordered online through MyBrokerLink, MyHealthPlan or viewed on the Medical Mutual mobile app

Medical Mutual Broker Updates:

November 16, 2020

COSE MEWA Life Benefit Will Include EAP Starting Jan 1.

Category: News
Applies to: COSE MEWA Groups

Effective Jan. 1, 2021, MedMutual Life coverage available to COSE MEWA groups will include access to an employee assistance program (EAP). The EAP will automatically be included at no additional cost for all COSE MEWA groups that have elected life coverage.

The EAP is administered by HealthAdvocate, which provides 24/7 confidential and personal support for employees and their families for everyday challenges. This can include assistance with legal problems, life transitions, substance abuse and more.

Access to the EAP plan is unlimited for short-term support. Upon determination of the level of care needed, trained clinicians may refer the member to an in-network professional for long-term care.

Please refer to these HealthAdvocate marketing materials, which groups can share with their employees about the EAP benefit:

To request a life quote through MedMutual Life, please contact your Medical Mutual Representative. For more information, please visit

February 24, 2020

2020 COSE MEWA Benefit Changes and Marketing Materials Available

Applies to: MEWA

The COSE MEWA benefit designs are changing for preferred provider organization (PPO) plans for all new groups effective May 1, 2020, and for existing groups at their renewal date - beginning with May 2020 renewals. Benefit changes include maximum out-of-pocket limits, emergency room copays, office visit copays and prescription drug copays. These plan designs are available for quoting as of Feb. 21, 2020.

2020 COSE MEWA Marketing Material
The following materials have been updated and are available on

  • COSE MEWA Copay Plan Grid Flier
  • COSE MEWA HSA Plan Grid Flier
  • COSE MEWA HRA Plan Grid Flier
  • COSE MEWA Sold Case Pre-Submission Review Form
  • Corresponding summaries of benefits and coverage (SBC)
  • Corresponding benefit highlight sheets


Groups will be informed of these benefit changes in their renewal notification.

July 2, 2019

Agreement with New COBRA Vendor Taking Effect Sept. 1, 2019 for Existing Groups

Applies to: Group: 1-50, 51-99, 100+, MEWA

In previous Broker Updates, we announced an agreement with a new COBRA vendor and then a delay in that transition. We have now finalized our agreement and WEX Health will begin administering COBRA benefits for existing groups effective Sept. 1, 2019. The new platform will be called COBRA Options – Brought to you by Medical Mutual and will offer enhanced benefits continuation service and faster setup for new groups.

Transition Plan
An initial letter will be mailed to existing affected groups in July to inform them of this change. The letter will include forms that request group eligibility verification and automated clearing house (ACH) information. These form must be returned to us promptly in order to complete setup on the platform.

We will send a follow-up letter in August to remind existing groups to complete these critical steps. 

June 18, 2019

New Required COSE MEWA Form Available

Applies to: (Small Group (1-50); MEWA (no MA, no MedSupp))

A new form is available to help streamline the process for groups to become part of COSE MEWA: the COSE MEWA Sold Case Pre-submission Review Form. It must be filled out completely and accompany all sold case submission documents to ensure timely processing.

This form can also be found at, where you will notice a Broker Tools and Resources tab has been added for your convenience. An Order Supplies tool will be available soon, so check the site often for news and important updates. 

COSE MEWA Membership Requirements

As a reminder, COSE and affiliate chamber of commerce memberships are a requirement of the MEWA once a group is approved for enrollment by underwriting. This membership must be renewed annually to avoid termination. Memberships are reviewed monthly, and groups that allow their chamber membership to lapse will receive a 30-day termination notice.

If you are interested in selling COSE MEWA plans or have questions, please contact your Medical Mutual small group sales representative.


May 23, 2019

Delay in Transition to New COBRA Vendor for Current Groups
Applies to: Small Group (1-50), 51-99, 100+, MEWA (no Medicare Advantage, no Medicare Supplement)

In a previous Broker Update, we announced that all groups with COBRA benefits would be transitioning to a new vendor platform called COBRA Options - Brought to You by Medical Mutual, effective July 1, 2019. We've recently been informed that only new groups will begin using this platform on that date. There will be a delay in this transition for current groups.

Please note that all group communications will also be delayed. A forthcoming Broker Update will provide a firm transition date for current groups.


May 21, 2019

Agreement with New COBRA Vendor Taking Effect July 1
(Applies to: Small Group (1-50), 51-99, 100+, MEWA (no MA, no MedSupp))

Beginning July 1, 2019, WageWorks will transition away from administering COBRA benefits for our groups. We have finalized an agreement with WEX Health to become our new COBRA vendor with a platform that will be called COBRA Options - Brought to you by Medical Mutual. Please always refer to the new relationship in this manner going forward. This migration will offer an enhanced platform for benefits continuation services and faster setup for new groups. 

Transition Plan for Existing Groups

A letter will be mailed to affected groups at the end of May to inform them of this change and to request automated clearing house (ACH) information and COBRA eligibility verification. These forms need to be returned to us promptly in order to complete setup on the platform. A follow-up letter may be sent if the initial response rate is low. 

May 7, 2019

New Counties Available for Quoting in MedFlex™ Network Primary Service Areas

(Applies to: Small Group 1-50, 51-99, 100+ and MEWA)

The following counties have been added as MedFlex™ network primary service areas and are now available for quoting groups beginning with July 1, 2019, effective dates: Delaware, Fairfield, Licking, Pickaway and Madison. 
Click here to access the MedFlex Network Map

April, 2019

MedFlex Service Area Expands

The MedFlex service area has expanded to include the following counties: Delaware, Fairfield, Licking, Pickaway and Madison. Please use the MedFlex Network Map to identify service areas.

March 13, 2019

Medical Mutual Announces New Partnership with EasyAppsOnline

Applies to: All group business

Medical Mutual is happy to announce a new partnership with EasyAppsOnline, an application system that is being introduced as an option for online employee medical history questionnaires. These electronic applications are available to all group segments, including Council of Smaller Enterprises (COSE) Health and Wellness Trust. For information regarding EasyAppsOnline, please call 1-513-563-4474, ext. 5 or visit

Please note, there will be no changes to Medical Mutual's partnership with FormFire, LLC. 

February 28, 2019

New Sales Tools for Medical Mutual HSA, FSA and HRA products

(Applies to: All Group Business)

We are excited to announce new tools that will assist in selling the following Medical Mutual Consumer-driven Health (CDH) products: 

  • Health Savings Account (HSA)
  • Flexible Spending Account (FSA)
  • Health Reimbursement Arrangement (HRA)
New CDH Product Fliers for Group Officials

Now available on MyBrokerLink, these print-on-demand fliers highlight the features and benefits unique to the Medical Mutual CDH product line. Share these PDFs via email with groups or print and use them for group presentations

These fliers replace the current group fliers on MyBrokerLink in the Producer's Guide under the HSA FSA HRA Products tab. Please remove the previous PDFs from any saved files and destroy any printed copies.

New HSA Group Official flier (Z8460-GHP) replaces HSA Group Official flier (C2958-GHP). 

New FSA Group Official flier (Z8461-GHP) replaces FSA Group Official flier (Z8150-GHP). 

New HRA Group Official flier (Z8462-GHP) replaces HRA Group Official flier (C2955-GHP). 

New HSA Member Experience Video
Also, in response to requests from brokers, we created a new video showing how members can access and manage their HSAs via My Health Plan to My Spending Accounts. The video is available on MyBrokerLink in the Producer's Guide under the HSA FSA HRA Products tab. Please share this video with your groups.

November 13, 2019
ID Card Release Schedule for New National Network Replacement: New Online Provider Link

This month, Medical Mutual will begin mailing redesigned member ID cards to new and existing members.The cards reflect our new national network, the Aetna® Open Choice® PPO Network. All cards will be mailed prior to Jan. 1, 2019. A member letter will be included with the card informing members of the new card and network, along with information about:

  • Selecting a primary care provider (PCP)
  • Staying in network
  • Using preventive care benefits
  • Knowing what services and medications are covered (for groups with prescription drug coverage through Medical Mutual)
  • How to find our member FAQs document

    *Aetna® is a trademark of Aetna Inc. and is protected throughout the world by trademark registrations and treaties.

Updated Provider Search
Our provider search tool has been updated with a link to the national network for 2019. 

As a reminder, members should continue to look up providers in the SuperMed® service area regardless of where they reside. 

If you have questions about this Broker Update, please contact your Medical Mutual representative.

May 22, 2018
Consumers Life Renewals
We have exciting news to share regarding Consumers Life renewals. Consumers Life completed a comprehensive review of the Council of Smaller Enterprises (COSE), Toledo Regional Chamber of Commerce (TRCC) and Richland Area Chamber of Commerce (RACC) benefit plans for the upcoming renewal effective July 1, 2018. As a result, current rates will be guaranteed for three (3) additional years. This included an analysis of the incurred loss ratio, demographic information and the overall benefit package.

Participating employers will receive the following communications:

Now – 6/30/2019

  • Participating employers with renewal dates on or after July 1, 2019 will receive a renewal letter within 60 days of their renewal date advising them their rates have been guaranteed for an additional two (2) years.
  • Proposal exhibits prepared for participating employers with effective dates on or after July 1, 2019 will include a two (2) year rate guarantee.

7/1/2019 – Later 

  • Participating employers with renewal dates on or after July 1, 2019 will receive a renewal letter within 60 days of their renewal date advising them their rates have been guaranteed for an additional two (2) years.
  • Proposal exhibits prepared for participating employers with effective dates on or after July 1, 2019 will include a two (2) year rate guarantee.

If you have questions or concerns, please contact your Medical Mutual sales representative. 

March 28, 2018
Medical Mutual Issuing Documents for Autism Spectrum Disorder Treatment 

We are updating our certificate books with updated information for Autism Spectrum Disorder Treatment and notifying affected groups and members.

COSE MEWA Group and Member Notification
We will send a COSE MEWA group official letter which will include the autism spectrum services language contained in the benefit book their employees will receive. Members will receive a letter along with an updated benefit book. The coverage noted became effective January 1, 2018.

As a reminder, this new law is not applicable to all market segments.

COSE MEWA Electronic Funds Transfer (EFT) Form Update 

The COSE MEWA electronic funds transfer (EFT) form has been updated to clarify that a voided check (or deposit slip) is required to verify banking information. The updated EFT form can be accessed HERE.

Thank you for being a great business partner. Please contact your Medical Mutual sales representative if you have questions or concerns about any of these updates.