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Medical Mutual Insurance Company Review

Medical Mutual offers several insurance programs to help members find coverage that meets their needs.

Christian Worstell

by Christian Worstell | Published December 14, 2023 | Reviewed by John Krahnert

Medical Mutual is a mutual health insurance company located in Raleigh, North Carolina. Medical Mutual offers several insurance programs for their members.

Currently, Medical Mutual has almost 13,000 physician members in 18 states and has had an “A” Excellent rating from A.M. Best for 14 years in a row.

Medical Mutual Coverage Options

Medical Mutual provides a range of insurance programs for their members. Some products that they offer include:

Physician Professional Liability

A Medical Mutual Physician Professional Liability policy provides physicians and their practice with comprehensive insurance coverage.

Employee Benefits

Medical Mutual is a provider of employee benefits, which include health, dental and life insurance options.

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Business Insurance

Medical Mutual is an investor and co-owner of Sentinel Risk Advisors, a full-service national insurance risk management firm that provides property, casualty and risk management services for clients across 38 states.

Network Security & Privacy Coverage

e-MD® Network Security and Privacy Coverage helps protect network security and privacy exposures for those working in the health care field. Coverage automatically begins with $50,000 per insured, and additional higher limits are available up to $10 million.

Broad Regulatory Protection Coverage

Medical Mutual’s regulatory and compliance coverage provides reimbursement of defense costs, penalties and fines up to $50,000 per insured with no deductible. Some situations covered by this coverage include:

  • Allegations of OSHA or ADA violations

  • Allegations of improper disposal of medical waste materials

  • Income tax audits (individual return only)

  • Billing error proceedings

Disability Insurance

Medical Mutual offers the following disability solutions to members: 

  • Individual Disability

  • Group Long Term Disability

  • Group Short Term Disability

  • Key-Person Coverage

  • Business Overhead Expense Coverage

  • Partnership Buyout Coverage

Long-Term Care Insurance

Long-Term Care helps people with chronic illnesses and disabilities. Many group and individual health insurance policies do not cover long-term care. Medical Mutual Long Term Care Insurance helps people with chronic illnesses and disabilities pay for the long-term coverage they need.

Five percent premium discounts are available to NCMS members who qualify. The program includes: 

  • Discounted, unisex rates

  • Availability to employees and their relatives, including spouses, adult children, parents, grandparents, and parents-in-law

  • Simplified underwriting

Group Purchasing Program

Together with Healthcare Procurement Solutions, LLC (HPS), Medical Mutual offers discounted office supplies, medical supplies, uniforms, reference lab services and more.

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