Medical Mutual and CVS Caremark
Medical Mutual of Ohio (MMO) administers our medical plan.
CVS Caremark manages our prescription benefits.
To participate in a health plan, benefits-eligible employees may enroll within 31 days from date of hire, qualifying event, or during our annual Open Enrollment period held in October. The date of coverage will be:
- Date of Hire - If your DOH is on the 1st of the month - coverage will be effective on your DOH.
- Qualifying Event - The 1st of the following month after the date of the qualifying event.
- Open Enrollment - January 1st of the next calendar year.
To change or cancel enrollment outside of our annual Open Enrollment period, a qualifying event, such as loss of coverage, marriage, birth/adoption, divorce, legal separation or annulment, or death must take place. Changes may be made within 31 days from the date of the qualifying event.
The Supreme Court made a ruling that employers and universities can deny contraceptive coverage to their employees and students based on religious objections. Oberlin is making no changes to the health plan coverage regarding reproductive health or rights.
No Surprises Act/Transparency Under the Consolidated Appropriations Act, 2021 - Medical Mutual is committed to full compliance with federal laws and regulations concerning surprise billing and transparency of coverage. They are committed to helping you understand the legislation, its impact to members and employer groups, and what Medical Mutual is doing to be fully compliant with the legislation. Check back often for updates or visit cms.gov for more information.
Health Plan Highlights
Cancellation Form (active employee)
All documentation for a qualifying event or changes to your HSA Contribution should be submitted to our secure Box folder.
All documentation for new hires should be submitted to our secure new hire Box folder.
Our provider network is called SuperMed PPO. For providers outside of Ohio, you will use the Cigna PPO network.
To search for a medical facility, physician or specialty physician, search the provider network.
Visit My Health Plan to register for a secure member website. Find doctors in the network, estimate costs, check claims, receive your Explanation of Benefits (EOB), and more!
Download the Mobile App for free from the Apple App Store or Google Play by searching MedMutual
Employer ID: MTL10590467
A spouse/same gender domestic partner of an Oberlin College employee is required to participate in their employer sponsored health care plan if :
(1) They have access to continuous group health coverage through their employment, and
(2) the employer contributes at least 50 percent of the premium.
If these conditions are met, they must enroll in their employer’s health care plan.
If your spouse/same gender domestic partner is eligible to participate in our health plan and you cover them, a Spousal Coordination of Benefits form must be completed and updated annually during open enrollment.
ID card's from Medical Mutual will include pharmacy benefit information and be mailed to the permenant address we have on file.
Replacement ID cards may be ordered by:
- Calling Medical Mutual's Customer Care 1-800-586-4509
- Go online My Health Plan
- Download the mobile app for free - Apple App Store or Google Play . Search for MedMutual.
Dependents age 18 and older, will be issued an ID card.
Required documentation for dependent eligibility and enrollment.
Email documentation to human.resources@oberlin.edu
Medical Mutual Health Advocacy Program: 1-888-636-3622
Call Monday through Thursday from 7:30 a.m. to 7:30 p.m. (ET), Friday from 7:30 a.m. to 6 p.m. (ET), and Saturday from 9 a.m. to 1 p.m. (ET)
This program give you access to a designated team of experts to guide you through your healthcare journey. This team is familiar with the Oberlin College health plan and can connect you with vital resources when you need extra support.
Medical Mutual Customer Care: 1-800-586-4509
CVS Caremark: 1-844-283-4674
Medical Mutual HSA and HRA self-service phone access 24/7, 365 days a year. Call the appropriate phone number and you will be prompted to enter your debit card number or social security number.
- HSA: 1.800.522.2037
- HRA: 1.800.384.0859
- Email: MySpendingAccounts@MedMutual.com
- FAQ - Medical Mutual Member Guide
- Preventive Care Services
- Colorectal Cancer Awareness
- Make the Most of Your Benefits
- Explanation of Benefits (EOB) Guide
- Fitness Discounts
- Disease Management Programs
- LifeStyle Coaching
- My Care Compare
- Nurse Line - Just a phone call away.
- Quit Line - Enjoy life without tobacco.
- WW - Wellness that Works
- Take control of your Diabetes.
- How to transfer funds to your HSA account
- HSA Welcome Kit
- How to opt out of paper statements
My Spending Accounts
You can access your Medical Mutual health savings account (HSA), or health reimbursement arrangement (HRA) quickly and easily by visiting the My Spending Accounts website.
What's on the site?
Use helpful tools including calculators and frequently asked questions (FAQs), to help you budget for these accounts and determine how they can work for you both now and in the future.
Features include:
- Access account(s) - Check balances, view transaction history and more.
- Manage claims and track expenses - Submit new claims, upload receipts, check claims status and track your eligible expenses.
- Access your Medical Mutual debit card - Manage card details, access your PIN and request a replacement for a lost or stolen Medical Mutual debit card.
Download the Mobile App! Register and login to Medical Mutual's AccountLink app now using the following information:
- Employee ID: Is listed on your Medical Mutual ID card
- Employer ID: MTL10590467
All benefit eligible employees have the option to enroll in a Consumer Driven Health Plan (CDHP) with a Health Savings Account (HSA).
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SPD - Family |
All benefit eligible employees who enroll in the Consumer Driven Health Plan (CDHP) and are not eligible for an HSA, you will get a Health Reimbursement Account (HRA).
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SPD - Employee + Spouse/DP | |
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SPD - Employee + 1 Child(ren) | |
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Employees who are eligible to retire and who are covered under Oberlin College’s group health plan while in active service, may continue to participate in the health plan during retirement.
Benefits coverage for you and your eligible dependents in effect at the time of retirement may continue. Covered dependent children may remain on your plan until they no longer meet eligibility requirements, age 26 for health, life, ad&d, vision and dental insurance.
Note: A retiree cannot add a dependent during retirement.
Retirees (and covered dependents) under 65 will be enrolled in the Consumer Driven Health Plan with a Health Reimbursement Account (HRA)
Retirees (and covered dependents) age 65 and over will be enrolled in the Medical Mutual Medicare Advantage Plan with SilverScript (prescription coverage).
HIPAA Privacy Practices - This notice describes how medical information about you may be used and disclosed.
HIPAA Special Enrollment Rights - This notice provides information about your rights and protections as participants in group health plans.
Summary Annual Reports - This gives notice of the annual report summarizing each benefit plan subject to ERISA.
Women's Health and Cancer Rights Act - This notice describes your rights after a mastectomy.
Creditable Coverage Disclosure Notice - This notice is about your prescription drug coverage and Medicare.
USERRA - This notice describes your rights under The Uniformed Services Employment and Reemployment Rights Act.
Drug-Free Workplace Act - This notice informs you about the college policy to maintain a drug-free workplace.