Medical Mutual of Ohio

Cleveland, OH Finance & insuranceNAICS 524140

Self-funded health planPlan year 2025Renews January
3,559Participants0% vs. prior year
$8.4MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#9 of 22Finance & insurance in OHBy participants

Overview

Medical Mutual of Ohio sponsors a self-funded health plan that covered 3,559 participants in plan year 2025, about the same as the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental, vision, long-term disability.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
3,559 · prior year 3,575
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Medical Mutual of Ohio Welfare Benefit Plan, plan 510 (3,559 participants); Medical Mutual of Ohio Health Care Plan for Retirees, plan 511 (1,127 participants); Medical Mutual of Ohio Flexible Benefit Plan, plan 505 (304 participants)
MedicalLife insuranceDentalVisionLong-term disability

Insurance carriers

Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.

CarrierCoverageCoveredPremiumBroker comp
Medmutual Life Insurance CompanyLife, Long-term disability3,254$1.8M—
Eyemed Vision CareVision3,778$260K—
Vision Service PlanVision1,078$176K—

Pharmacy benefit estimate

StreamRX estimate for a plan this size. Not based on this plan's claims.

$8.4M/ year

Estimated prescription spend: 3,559 participants × $2,371 national average per member. Usually higher once dependents are counted.

$219K–$541K/ year

Typical savings opportunity found in independent reviews of plans this size.

Brands with a generic available$64K–$160K
Lower-cost therapeutic alternatives$94K–$196K
Generic pricing vs. actual cost$41K–$122K
PBM contract terms$21K–$63K
The DOL's PBM fee disclosure rule first applies to this plan for the plan year beginning January 2028: semiannual PBM compensation reports and an annual audit right.

Form 5500 filing details

Filing
Form 5500 with Schedule A, plan year 2025
Plan sponsor
Medical Mutual of Ohio
Sponsor EIN
34-0648820
Plan numbers
510, 511, 505
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 34-0648820 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Medical Mutual of Ohio Employees' Retirement Savings Plan
Type
401(k) plan
Participants
4,491

About this data

Source: Medical Mutual of Ohio's Form 5500 filing for plan year 2025 and its Schedule A insurance reports, published by the U.S. Department of Labor. "Self-funded" means the filing reports benefits paid from employer assets or a trust, with no medical insurance contract or with a stop-loss contract. Pharmacy figures are StreamRX estimates based on national averages. StreamRX is not affiliated with Medical Mutual of Ohio.

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