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MedMutual Advantage Signature (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for MedMutual Advantage Signature (HMO-POS). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on MedMutual Advantage Signature (HMO-POS) in 2026, please refer to our full plan details page.
MedMutual Advantage Signature (HMO-POS) is a HMO-POS plan offered by MEDICAL MUTUAL OF OHIO available for enrollment in 2025 to people living in Ohio Regions. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that MedMutual Advantage Signature (HMO-POS) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Key Plan Facts
Below are a few key facts and commonly-asked questions about MedMutual Advantage Signature (HMO-POS).
Plan Costs:
The cost of a Medicare Advantage Plan is made up of four main parts.
- First, the monthly premium — the amount you pay every month.
- Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
- Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
- Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.
For MedMutual Advantage Signature (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $0.00. This is the amount you must pay every month.
This plan does not come with a Part B Premium reduction. You must continue to pay your Part B premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
This plan has a $300.00 drug deductible. You will need to pay this amount towards covered prescriptions before your insurance coverage for prescription medications kicks in.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $4200.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $0.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.
Common Services:
Doctor Visits:
Specialist Visits:
Emergency Room:
Urgent Care:
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Drug Coverage
The MedMutual Advantage Signature (HMO-POS) prescription drug coverage features an annual drug deductible of $300. You can enjoy maximum savings on lower-tier medications, as Tier 1 preferred generics and Tier 2 generics have no copay when filled at preferred pharmacies or through preferred mail order. Furthermore, Tier 6 select care drugs are completely covered with no copay at any standard or preferred network pharmacy. For higher-tier medications, costs are structured as coinsurance rather than flat copays. Tier 3 preferred brand drugs require a 23% coinsurance, while Tier 4 non-preferred drugs carry a 40% coinsurance across all pharmacy types. Specialty medications in Tier 5 are subject to a 29% coinsurance for a one-month supply at both standard and preferred pharmacies.
Additional Benefits
The MedMutual Advantage Signature (HMO-POS) plan offers comprehensive medical coverage, including primary care visits and routine preventive services with no copay, and specialist visits for a $25 copay. For hospital care, inpatient stays feature no coinsurance and a $375 copay for the first six days, while outpatient hospital services require a $340 copay. Emergency room visits carry a $130 copay, which is waived if you are admitted, while urgent care services require a $25 copay. This plan also provides valuable supplemental benefits, including dental care covered up to a $3,000 annual limit and routine vision and hearing exams with no copay. Home health services and up to 24 one-way transportation trips to plan-approved locations are available with no copay or coinsurance. Additionally, skilled nursing facility stays require no copay for the first 20 days, and durable medical equipment is covered with no copay and a 20% to 25% coinsurance.
Inpatient Hospital See details
MedMutual Advantage Signature (HMO-POS) covers inpatient hospital services with no coinsurance, requiring a $375 copay for days 1 through 6 of acute stays and a $335 copay for days 1 through 5 of psychiatric stays, with no copay for subsequent days. This benefit is partially covered, as hospital upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
MedMutual Advantage Signature (HMO-POS) covers outpatient services with no coinsurance, featuring a $340 copay for outpatient hospital services and a $375 copay per stay for observation services. Ambulatory surgical center services require a $300 copay, outpatient substance abuse sessions have a $25 copay, and outpatient blood services are covered with no copay or coinsurance.
Partial Hospitalization See details
Partial hospitalization is covered by MedMutual Advantage Signature (HMO-POS) with a $25.00 copay and no coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
MedMutual Advantage Signature (HMO-POS) covers ground ambulance services with a $245 copay and no coinsurance, and air ambulance services with a 50% coinsurance and no copay. Transportation services are partially covered, providing up to 24 one-way trips per year to plan-approved locations with no copay and no coinsurance, though transportation to any health-related location is not covered.
Emergency Services See details
Emergency services are covered by MedMutual Advantage Signature (HMO-POS) with a $130 copay (waived if admitted within 24 hours) and no coinsurance, while urgent care requires a $25 copay and no coinsurance. Worldwide emergency and urgent care are partially covered up to a $50,000 limit with no coinsurance, but worldwide emergency transportation is not covered.
Primary Care See details
MedMutual Advantage Signature (HMO-POS) covers primary care visits with no copay and no coinsurance, and specialist visits with a $25 copay and no coinsurance. Therapy and mental health services require copays ranging from $25 to $40 with no coinsurance, while podiatry is not covered, and some chiropractic services are covered but routine care and other chiropractic services are not.
Preventive Services See details
Preventive services are partially covered by MedMutual Advantage Signature (HMO-POS), featuring no copay and no coinsurance for annual physical exams, kidney disease education, and other routine screenings. While additional benefits like home-based palliative care and memory fitness are included, weight management programs require a 70% coinsurance, and several services—including health education, in-home safety assessments, and personal emergency response systems—are not covered.
Hearing Services See details
Hearing services are partially covered by MedMutual Advantage Signature (HMO-POS), which offers one routine hearing exam annually with no copay and no coinsurance, but excludes fitting and evaluation exams as well as OTC hearing aids. Up to two prescription hearing aids are covered per year with a copay between $499.00 and $999.00 and no coinsurance, though inner ear, outer ear, and over the ear types are not covered.
Vision Services See details
MedMutual Advantage Signature (HMO-POS) offers partially covered vision services, including one routine eye exam per year with no copay and no coinsurance. Eyewear is covered with no copay and a 20% coinsurance on contact lenses up to a $200 annual maximum for either contacts or eyeglasses, while other eye exams, separate eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Dental services are partially covered by MedMutual Advantage Signature (HMO-POS) with a $3,000 annual limit, offering most preventive and comprehensive care with no copay and no coinsurance. While Medicare-covered dental has a $25 copay (no coinsurance) and services like implants and prosthodontics require a 50% coinsurance (no copay), other preventive dental, maxillofacial prosthetics, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by MedMutual Advantage Signature (HMO-POS) with no copay, while associated Medicare Part B chemotherapy, radiation, and other drugs have no copay and 0% to 20% coinsurance. Covered Medicare Part B insulin drugs require a $35 copay and 0% to 20% coinsurance, which does not count toward the plan-level deductible.
Dialysis Services See details
Dialysis services are covered under the MedMutual Advantage Signature (HMO-POS) plan with no copay and a 20% coinsurance.
Medical Equipment See details
MedMutual Advantage Signature (HMO-POS) covers medical equipment with no copay, though coinsurance and prior authorization requirements apply to most items. Durable medical equipment carries a 25% coinsurance, prosthetic devices, medical supplies, and diabetic shoes require a 20% coinsurance, and diabetic supplies range from no coinsurance to 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by MedMutual Advantage Signature (HMO-POS), with prior authorization required for all services. Diagnostic procedures, tests, and lab services require a $10 copay and no coinsurance, while outpatient X-rays have a $50 copay, diagnostic radiology requires a minimum $100 copay, and therapeutic radiology requires a minimum 20% coinsurance.
Home Health Services See details
Home Health Services are covered under the MedMutual Advantage Signature (HMO-POS) plan with no copay and no coinsurance.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under the MedMutual Advantage Signature (HMO-POS) plan with no coinsurance, but require prior authorization. Some services are covered, but cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
MedMutual Advantage Signature (HMO-POS) covers skilled nursing facility (SNF) services with no coinsurance, requiring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, a prior three-day inpatient hospital stay is not, and additional days beyond the standard 100 days are not covered.
Other Services See details
MedMutual Advantage Signature (HMO-POS) partially covers other services, excluding acupuncture. Covered benefits include over-the-counter items and meals for chronic illness with no copay and no coinsurance, as well as MedMutual Advantage Travel Plus which requires prior authorization and has a copay of $0 to $375 and 0% to 50% coinsurance.
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Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
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