Medical Mutual Insurance Company Review
Medical Mutual offers several insurance programs to help members find coverage that meets their needs.
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.
Medical Mutual is a provider of employee benefits, which include health, dental and life insurance options.
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
Medical Mutual offers the following disability solutions to members:
Group Long Term Disability
Group Short Term Disability
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
Group Purchasing Program
Together with Healthcare Procurement Solutions, LLC (HPS), Medical Mutual offers discounted office supplies, medical supplies, uniforms, reference lab services and more.