Here are a few of the most Frequently Asked Questions about SuperMed One individual health insurance

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"Can a permanent health plan be purchased if I already have other health insurance in place?"
Yes. Medical Mutual will follow the appropriate Coordination of Benefit rules to determine which health plan is primary and which is secondary. Return To Top

"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. Return To Top

"I'm 65 or older - is SuperMed One right for me?"
SuperMed One is available to individuals six weeks to 64 years old. For those who are 65 and older, Medical Mutual offers Medicare Supplement plans. These plans offer two comprehensive health benefit supplement plans to meet your needs now and in the future. For further information please call 1-800-245-5272.

Vision and Dental coverage are available to persons of any age, including those 65 and older. For further details, please call India Network Office. SaveWell is an innovative program that can help you save money on your personal healthcare products and services, such as prescription drugs and vision and dental services and products. Anyone can join this program. There are no restrictions and no qualifications to meet. For additional information or to enroll, call 1-877-SAVEWELL (728-3935), www.savewell.com. Return To Top

"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. 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 nine 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. Return To Top

"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. Return To Top

"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. Return To Top

"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:

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"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:

To search for a provider when traveling outside of Ohio:

In Indiana:

In Pennsylvania:

All Other States:

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

Medco-Health Pharmacy Locator:

Find a Cole Vision Provider:

Find a DenteMax Dentist:

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"Is SuperMed One available in other states?"
The list of states where SuperMed One is available is constantly growing: check our home page to see if your state has been added yet. Be sure to view rates and download the application appropriate to the state where you're applying. You must be a resident of that state for at least 6 months of the year in order to be eligible. Return To Top

"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:

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

"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. Return To Top

"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. Return To Top

"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. Return To Top

"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.
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"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:

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"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. Return To Top

"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 on the application form tab within this Web site. Or call India Network Services. One of our friendly representatives will guide you through the application process. Return To Top

"Does SuperMed One include a prescription drug benefit?"
You can upgrade your prescription drug coverage by purchasing SuperMed One's Optional Prescription Drug Rider. With this rider, your out-of-pocket costs will be limited to a $15/$30/$45 copay for each generic, formulary and non-formulary prescription filled. Pay the single copay for retail or for home delivery, pay two times that copay for a 90-day supply. The annual deductible and co-insurance are waived. Return To Top

"What is the $500 Professional Services Rider?"
The professional services rider will delay the deductible and coinsurance for the first $500 of covered outpatient institutional and professional services received by a network provider during a given benefit period.

Services to which the benefit will be applied include: