We believe a critical part of our mission is to offer you and your family affordable, competitive healthcare benefits. In spite of the ever-increasing costs we are able continue that commitment.

The expense of providing health care for our employees is at an all-time high. We now spend approximately $9,000 per year per person for those covered by the Plan.

New highlights for 2019-2020

YOU NOW HAVE FOUR PLANS TO CHOOSE FROM:

• The Medical Mutual PPO (MMO PPO);
• The Medical Mutual PPO/Health Savings Account (MMO PPO/HSA);
• The SkyCare EPO plan (formerly named MetroSelect EPO) plan; and,
• The NEW Medical Mutual MedFlex EPO plan.

MMO PPO/HSA – NO CHANGE TO BENEFITS AND RATES REDUCED!
The big news here is that the rates have been reduced by about 10%. And, the plan design stays the same. In addition, this plan includes an annual $500/employee and $1,000/family contribution to your health savings account.

Critical Illness insurance is included with the MMO PPO/HSA plan. This coverage pays a lump sum when a covered serious illness is diagnosed.

MMO PPO:
The PPO plan rates have increased from last year and remain the highest premiums of the plan options. However, the deductibles have not increased and there is no increase in non-emergencies, specialists and urgent care this year.

MMO MEDFLEX EPO (Exclusive Provider Organization):
This plan is a new option this year. It is an EPO plan meaning that you must receive your healthcare from one of the many in-network facilities and providers. The providers include University Hospital system, LakeHealth and Summa. The Cleveland Clinic is not in the network.

SKYCARE EPO (Exclusive Provider Organization)(Formerly METROSELECT EPO):
This plan requires that you receive your healthcare from one of the many SkyWay Network facilities and providers. There are many in Cuyahoga County and, new for this year, LakeHealth has been added to the network.