Can I afford a personal healthcare plan like SuperMed One?

Can a permanent health plan be purchased if I already have other health insurance in place?

Do you offer a supplemental accident product in conjunction with these plans?

I'm 65 or older - is SuperMed One right for me? Would you be able to provide it?

Can I still get SuperMed One coverage if I have a pre-existing condition?

If I currently have SuperMed One, can I change the type of healthcare plan in which I am enrolled?

I am already a SuperMed One member, can I add benefits?

I only need coverage for a couple of months - can you help?

Does my doctor accept SuperMed One?

Is SuperMed One available in other states?

Who is considered a dependent?

Can I get a policy for my child only?

What if the parents are divorced, the mother has custody, but the father wants to buy medical insurance for the child?

What if a dependent is pregnant when the application is submitted?

What is a deductible?

Does SuperMed One include other benefits, like dental, vision, or prescription drug?

How accurate is the Estimated Premium?

Once I have a premium estimate, what is the next step?

To whom should premium payments be made payable?

How does a customer change his/her billing method?

I need help! Who can I contact?

How much may be contributed to a Health Savings Account?

What are the catch-up contribution provisions?

Who will administer my Health Savings Account?

How can contributions be made to a Health Savings Account?

How can Health Savings Accounts be invested?

What are qualified medical expenses?

What happens to the account at year-end?

How can the Health Savings Account be accessed?

Who may contribute to a Health Savings Account?

If one or both spouses have family coverage, how is the contribution limit computed?

What is the tax treatment of an eligible individual's HEALTH SAVINGS ACCOUNT contributions?

When may Health Savings Account contributions be made? Is there a deadline for contributions to a Health Savings Account for a taxable year?

Are health insurance premiums qualified medical expenses?

Can I use the Health Savings Account to pay the monthly health insurance premiums?

Can I afford a personal healthcare plan like SuperMed One?

Absolutely. Many people think personal healthcare plans are too expensive and beyond their means. But SuperMed One allows you to choose a plan to suit your personal healthcare needs and your budget.

Can a permanent health plan be purchased if I already have other health insurance in place?

Yes. For standard SuperMed One plans, Medical Mutual will follow the appropriate Coordination of Benefit rules to determine which health plan is primary and which is secondary.

Please note, to establish an HSA, a member can only be covered under HDHP and cannot have duplicate coverage.

Do you offer a supplemental accident product in conjunction with these plans?

No. SuperMed One does offer benefits for emergency services. Emergency services are not subject to the deductible. Emergency room visits require a $100 copay plus any applicable coinsurance.

I'm 65 or older - is SuperMed One right for me? Would you be able to provide it?

SuperMed One is available for individuals up to age 64. If you are 65 or older, you may be interested in our Senior Health Plans. Please call 800/722-7331 for more information.

Can I still get SuperMed One coverage if I have a pre-existing condition?

The SuperMed One health plans, whether permanent or short-term, have a pre-existing condition clause.

Permanent plans: If a pre-existing condition existed at any time during the six-month period immediately preceding an applicant's effective date, then Medical Mutual will not provide benefits for covered services relating to the pre-existing condition until the subscriber has been enrolled in a SuperMed One plan for twelve months.

Short-term plans: If a pre-existing condition existed at any time during the 24-month period immediately preceding an applicant's effective date, then Medical Mutual will not provide benefits for covered services relating to the pre-existing condition until the subscriber has been enrolled in a SuperMed One plan for six months.

A pre-existing condition is a condition for which an ordinarily prudent person would seek medical advise, diagnosis, care or treatment; or for which the applicant/dependent incurred medical expenses, received medical treatment, used a prescription drug or was advised by a physician or other medical professional to receive treatment.

However, if you have other healthcare coverage prior to their effective date, and did not experience a significant break in coverage, then your prior coverage will be credited toward the nine-month exclusion period. A significant break in coverage is a period of 63 consecutive days during which the applicant did not have any other health coverage.

If I currently have SuperMed One, can I change the type of healthcare plan in which I am enrolled?

Yes, you may choose to change benefits but only at renewal. Benefit upgrades are subject to medical underwriting approval. However, if you want to switch from a short-term policy to a permanent policy, you may do so at any point during the length of the short-term policy. This may be accomplished by completing a SuperMed One application.

The SuperMed One permanent plan application is subject to underwriting eligibility requirements.

To change from a SuperMed plan to a SuperMed One HSA compatible plan, please contact your SuperMed One broker.

I am already a SuperMed One member, can I add benefits?

If you are currently a member and would like to add to or change your current benefits, please contact your SuperMed One broker.

I only need coverage for a couple of months - can you help?

Yes. SuperMed One offers a short-term medical plan that is designed to provide temporary medical coverage for up to six months. The short-term plan is ideal for individuals who are:

• Between jobs.
• Waiting for employer group coverage to begin.
• A recent college graduate or part-time student
• A temporary or seasonal employee.
• A laid-off, on strike, or terminated employee.

Does my doctor accept SuperMed One?

SuperMed One is only available to those who are residents of Ohio at least six months out of the year.

To search for a provider:

In Ohio

To search for a provider when traveling outside of Ohio:

In Pennsylvania:

All Other States:

To search for a provider of these services, please select the appropriate link.

Medco Pharmacy Locator:

Find a Cole Vision Provider:

Find a DenteMax Dentist:

Is SuperMed One available in other states?

SuperMed One is only available in Ohio. However, through our subsidiary Consumers Life Insurance Company, we offer Personal Health Plans in states outside Ohio. The list of states where Personal Health Plans is available is constantly growing. For more information please call 800/338-5915.

Who is considered a dependent?

SuperMed One eligible dependents include the contract or policy holder's spouse and unmarried children up to the age limit (the end of the month of their 23rd birthday), subject to the following:

• Natural children of the contract holder
• Children placed in the contract holder's home for the purpose of adoption
• Children for whom the contract holder or spouse is either the legal guardian or has been ordered by a court to provide health coverage
• Stepchildren, if the natural parent is also listed as a dependent of the policyholder
• Disabled dependents*, if they are:
  • Unmarried and under the limiting age
  • Primarily dependent on the contract holder for support
  • Dependents as defined by IRS income tax code
  • Covered by the contract holder's current/prior carrier

*Incapacity must have begun before reaching the age limit and must be medically certified by a physician.

Can I get a policy for my child only?

SuperMed One will accept medical insurance applications for minor dependent children. All such applications should be submitted with the child's name as the applicant and the signature of a custodial parent or legal guardian who has knowledge of the health of the minor dependents and has the authority to legally contract on the minor's behalf.

What if the parents are divorced, the mother has custody, but the father wants to buy medical insurance for the child?

The father should complete and sign the application on behalf of his child. If there is more than one child who needs coverage, then the father must complete and sign separate applications for each child.

What if a dependent is pregnant when the application is submitted?

Eligible dependents include not pregnant dependent children under the age of 23. Coverage for the pregnant dependent is not available until her six-week post-delivery exam has been completed. In the case of a Caesarian-Section delivery the dependent will not be eligible until six months after the surgery.

What is a deductible?

A deductible is an amount, usually stated in dollars, for which you are responsible each Benefit Period before Medical Mutual will start to provide benefits.

Does SuperMed One include other benefits, like dental, vision, or prescription drug?

Incorporated into each SuperMed One medical plan is a prescription drug benefit. Also, you may select one or more of the following ancillary riders in conjunction with a permanent health plan:

Standard SuperMed One:

• Maternity Services Rider
• $15/$30/$45 Prescription Drug Copay Card
• SuperMed One offers the following optional coverages:
• Dental
• Vision

For SuperMed One HSA compatible plans, you may select one or more of the following ancillary riders in conjunction with a QHDHP:

• Maternity Services Rider
• $15/$30/$45 Prescription Drug Copay Card
• SuperMed One offers the following optional coverages:
  • Dental
  • Vision

How accurate is the Estimated Premium?

The rates quoted are estimates only, and are subject to change based on your medical history, the underwriting practices of the health plan, the optional benefits you selected, if any, and other relevant factors. Medical Mutual reserves the right to change the terms of the policy under proper notifications.

Once I have a premium estimate, what is the next step?

Once you have found the Plan and Options that are right for you, download and print the SuperMed One Application Form. Complete the application and follow the procedures listed in the "Apply for Coverage" section within this Web site. Or call your insurance agent or broker, or dial 800/722-7331. One of our friendly representatives will guide you through the application process.

To whom should premium payments be made payable?

All checks/ money orders should be made payable to Medical Mutual.

How does a customer change his/ her billing method?

To change billing methods, the subscriber should complete page four of the application, include his/her group number or subscriber number, and fax or mail it to Medical Mutual at:

Medical Mutual
MZ: 01-6B-6200
2060 East Ninth Street
Cleveland, Ohio 44115
216/687-6352 (fax)

I need help! Who can I contact?

If you need assistance at any time during your plan selection process,
call your insurance agent or broker, or dial 800/722-7331.

How much may be contributed to a Health Savings Account?

The maximum annual contribution to an Health Savings Account is the sum of the limits determined separately for each month, based on status, eligibility and health plan coverage as of the first day of the month. For calendar year 2007, the maximum monthly contributions are:

• For individual coverage, the maximum monthly contribution is one-twelfth of either:
  • The annual deductible under the Qualified High Deductible Health Plan (QHDHP) (minimum of $1,100) OR
  • $2,850 (indexed for inflation after 2007)
• For family coverage, the maximum monthly contribution is one-twelfth of either:
  • The annual deductible under the QHDHP (minimum of $2,200) OR
  • $5,650 (indexed for inflation after 2007)

In addition to the maximum contribution amount, catch-up contributions may be made by or on behalf of individuals between the ages of 55 and 65.

What are the catch-up contribution provisions?

Beginning in 2007, persons age 55 and older have a catch-up provision of an additional $800 allowed per year. Catch-up contributions grow by $100 per year until 2009, when $1,000 extra contribution is allowed.

Who will administer my Health Savings Account?

Since the Health Savings Account is set up separate from your qualified high deductible health plan, you can use qualified, IRS-approved institution to administer your Health Savings Account.

However, Medical Mutual has contracted with MSAver to administer the SuperMed One Health Saving Accounts. MSAver is the oldest, most recognized and most respected MSA/HSA administrators in the country. By using MSAver, all set-up and monthly administrative fees are waived.

How can contributions be made to a Health Savings Account?

Contributions to an Health Savings Account must be made in cash and may not be made in the form of stock or other property. In any given year, contributions may be made until April 15 of the following year.

How can Health Savings Accounts be invested?

Health Savings Accounts may be invested like a 401K or IRA - in an interest bearing account, a mutual fund, stocks or bonds. For easy access to pay for qualified medical expenses, it is recommended that the majority of the Health Savings Account be invested in a back account.

What are qualified medical expenses?

Health Savings Accounts may be used to pay for various medical expenses including some that are included in health insurance plans. Following is a partial list of qualified medical expenses based on IRS Section 213 and listed in Publication 502:

• Health insurance plan deductibles, copayments and coinsurance
• Prescription Drug and over the counter drugs
• Dental services including braces, bridges and crowns
• Vision care including glasses and lasik eye surgery
• Psychiatric and certain psychological treatments
• Long-term care services
• Medically related transportation and lodging
• Certain health premiums including COBRA

What happens to the account at year-end?

The account balance may be carried over into future years with no limits. The account is owned by the individual and maintained in trust.

How can the Health Savings Account be accessed?

Checks and a debit card will be provided to each individual account holder. Account holders may use the checks/debit cards for expenses as they choose.

Who may contribute to a Health Savings Account?

An eligible individual may contribute to a Health Savings Account. Family members may also make contribution to a Health Savings Account on behalf of another family member as long as that other family member is an eligible individual.

If one or both spouses have family coverage, how is the contribution limit computed?

In the case of individuals who are married to each other, if either spouse has family coverage, both are treated as having family coverage. If each spouse has family coverage under a separate health plan, both spouses are treated as covered under the plan with the lowest deductible.

The contribution limit for the spouses is the lowest deductible amount, divided equally between the spouses unless they agree on a different division. The family coverage limit is reduced further by any contribution to an existing MSA during the same calendar year.

However, both spouses may make the catch-up contributions for individuals age 55 or over without exceeding the family coverage limit.

What is the tax treatment of an eligible individual's HEALTH SAVINGS ACCOUNT contributions?

Contributions made by an eligible individual to a Health Savings Account can be deducted from adjusted gross income. The contributions are deductible whether or not the eligible individual itemizes deductions. However, he or she cannot also deduct the contributions as medical expense deductions under section 213.

When may Health Savings Account contributions be made? Is there a deadline for contributions to a Health Savings Account for a taxable year?

Contributions for the taxable year can be made in one or more payments, at the convenience of the individual, at any time prior to the time prescribed by law (without extensions) for filing the eligible individual's federal income tax return for that year, but not before the beginning of that year.

For calendar year taxpayers, the deadline for contributions to a Health Savings Account is generally April 15 following the year for which the contributions are made.

Note: Although the annual contribution is determined monthly, the maximum contribution may be made on the first day of the year.

Are health insurance premiums qualified medical expenses?

In most cases, no. However, the following are exceptions:

• Premiums for qualified long-term care insurance
• Premiums for COBRA health care continuation coverage
• Premiums for health coverage while an individual is receiving unemployment compensation
• For individuals over age 65, premiums for Medicare Part A or B, a Medicare HMO and the employee share of premiums for employer-sponsored health insurance, including premiums for employer-sponsored retiree health insurance.

Premiums for Medigap policies are not qualified medical expenses.

Can I use the Health Savings Account to pay the monthly health insurance premiums?

No, not unless you are unemployed and are getting Federal unemployment insurance.