MedMutual Protect
MedMutual Protect sells individual supplemental health and Medicare Supplement insurance products across 30 US states through independent agents and brokers, operating as a brand of Medical Mutual of Ohio (founded 1934). Its portfolio spans accident, hospital indemnity, dental, cancer, specified disease, and Medicare Supplement coverage.
- Company typePrivate
- Founded1934
- HeadquartersOklahoma City, United States
- Headcount101–250
- GTM typeB2C
- OfferingServices
What MedMutual Protect does
MedMutual Protect is a brand name for individual supplemental health and Medicare Supplement insurance products issued by subsidiary insurance companies controlled by Medical Mutual of Ohio, a mutual health insurer founded in 1934 and headquartered in Cleveland, Ohio. MedMutual Protect operates from Oklahoma City and distributes its products through independent appointed agents and brokers across 30 US states, supported by direct phone sales, online quote requests, and member portals.
The product portfolio spans accident, accidental death and dismemberment, cancer first occurrence, dental, supplemental dental and vision, home health care indemnity, hospital confinement indemnity, Hospital Indemnity Plus (launched 2024), Medicare Supplement, specified disease coverage, and the SimpliCare telemedicine sub-brand. Underwriting is performed by multiple carrier partners, including Reserve National Insurance Company (A- AM Best, effective July 10, 2025), Fidelity Security Life Insurance Company (A AM Best), MedMutual Life Insurance Company, and United Insurance Company of America. Technology components include a My Health Plan member portal, a FHIR-compliant API enabling members in CMS-regulated plans to share health data with third-party applications, and disclosed use of AI/ML for content generation and back-office processing. Group voluntary/GAP insurance was discontinued in 2025.
Revenue is generated through recurring insurance premiums on supplemental and Medicare Supplement policies, with quote-based monthly billing and no publicly disclosed pricing. The company serves three primary customer segments — individual consumers and families, Medicare-eligible seniors, and small business owners — sold primarily through the multi-state independent agent/broker network with secondary direct-to-consumer and inside-sales channels. The ACA distribution relationship with Summerset Marketing Company enables participation in exchange-based individual health insurance without bearing direct carrier risk on those products.
MedMutual Protect firmographics
Firmographics- Name
- MedMutual Protect
- Legal name
- Medical Mutual of Ohio
- Website
- https://medmutualprotect.com
- Company type
- Private
- Founded year
- 1934
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- MedMutual Protect sells individual supplemental health and Medicare Supplement insurance products across 30 US states through independent agents and brokers, operating as a brand of Medical Mutual of Ohio (founded 1934). Its portfolio spans accident, hospital indemnity, dental, cancer, specified disease, and Medicare Supplement coverage.
- Ownership category
- akta.pro rank
MedMutual Protect industry classification
Industry- Product category
- Supplemental Health Insurance
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Direct Health and Medical Insurance Carriers (524114)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ)
- akta.pro secondary industries
- Medicare Supplement (Medigap) (FSAIAEAG), Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs) (FSAIAGAH), Personal Accident Insurance (Injury, Disability & Income Benefit) (FSAJAJAD)
Keywords
Where MedMutual Protect is headquartered
LocationHeadquarters
- HQ city
- Oklahoma City
- HQ country
- United States
- HQ region
- North America
Offices8 records
Markets served
MedMutual Protect business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Supplemental Health Insurance Premiums: MedMutual Protect generates revenue through insurance premiums from various supplemental health insurance products including accident, cancer, hospital indemnity, dental, vision, specified disease, and Medicare supplement coverage.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Quote-based pricing for all insurance products |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels5 records
MedMutual Protect product offering
Product offeringCore offering
MedMutual Protect sells individual supplemental health insurance products (accident, accidental death & dismemberment, cancer, dental, vision, home health care, hospital indemnity/confinement, specified disease, and Medicare Supplement) underwritten by partner insurance carriers Reserve National, Fidelity Security Life, United Insurance, and MedMutual Life. Products are distributed in 30 U.S. states through independent agents and brokers, supported by an online quote, member portal, and FHIR-based member data access.
Differentiator
Problem solved
Functional benefit
Brands
- SimpliCare: A telemedicine/telehealth service offering phone or video access to doctors and prescription savings.
- EmployeeBridge (HR Solutions)
Products and services
- Accident Policy Individual supplemental insurance covering accidental injury or death. Policyholders can tailor their policy by choosing a deductible amount to best fit their needs.
- Accidental Death and Dismemberment Individual coverage providing financial protection in the event of accidental death or dismemberment.
- Cancer First Occurrence Individual fixed-indemnity policy that pays a lump sum benefit upon first diagnosis of cancer, with two benefit levels available.
- Dental Insurance Individual dental insurance covering preventative, basic, and major dental services, with two out-of-pocket level options for budget control.
- Supplemental Dental and Vision Individual coverage enabling access to dental and vision care, from routine cleanings and eye exams to comprehensive dental procedures.
- Home Health Care Indemnity Policy Individual indemnity policy providing benefits for home health care services, aide services, physical therapy, speech therapy, and optional benefits covering prescription drugs, eye exams, private duty nursing, and routine physical exams.
- Hospital Confinement Indemnity Individual fixed-indemnity product providing financial protection against potential costs of hospital stays or surgery, with options including $3,000 or $4,000 in surgery benefits and $100 per day hospital stay.
- Hospital Indemnity Plus Individual hospital indemnity product providing coverage for hospital confinement, surgery benefits, and outpatient procedures, with no deductibles and selectable benefit plans.
- Medicare Supplement Insurance Individual Medicare Supplement (Medigap) insurance that helps pay for healthcare costs that Medicare Parts A and B don't cover, including coinsurance, copayments, and deductibles. Multiple standard plan options are available, underwritten by Reserve National, United Insurance, and MedMutual Life.
- SimpliCare Member telemedicine/telehealth service providing phone or video access to doctors, savings on prescriptions, and additional telehealth benefits.
- Specified Disease Policy Individual insurance providing coverage for expenses associated with hospitalization, surgery, and treatment of serious diseases; the deductible is paid only once in a lifetime for each covered disease while the policy is in force.
- HR Solutions (EmployeeBridge) HR solutions platform for small businesses offered under the MedMutual Protect Programs menu.
Companies that use MedMutual Protect
Customer profileSegments3 records
Ideal customer profiles3 records
MedMutual Protect technology and API
TechnologyTechnology focussed No
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability2 records
Feature3 records
MedMutual Protect partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- Summerset Marketing CompanycoreACA (Affordable Care Act) plans are brokered through Summerset Marketing Company. This is a key distribution partnership for ACA-compliant individual health insurance plans.
- United Insurance Company of AmericacoreUnderwrites Medicare Supplement Insurance Plan benefits. Not financially affiliated with Medical Mutual of Ohio. One of multiple insurance company partners for MedMutual Protect products.
- Reserve National Insurance CompanycoreUnderwrites Medicare Supplement Insurance Plan benefits and worksite voluntary Accident Expense, Accident Indemnity, Cancer, Critical Illness, Dental, GAP, Short Term Disability and Whole Life Insurance Products. Rated A- Excellent by AM Best effective July 10, 2025.
- MedMutual Life Insurance CompanycoreUnderwrites Medicare Supplement Insurance Plan benefits. Subsidiary of Medical Mutual of Ohio.
- Fidelity Security Life Insurance Company (FSL)coreUnderwrites worksite voluntary Hospital Indemnity, Signature Gap, Indemnity Outpatient Prescription Drug, Limited Medical, and Vision Insurance Products. Rated A (Excellent) by AM Best. Located in Kansas City, Missouri.
- One IncminorPayment processor used by MedMutual Protect. By using One Inc payment processing services, users agree to the One Inc Notice Regarding Collection and Use of Your Personal Information.
- Berkeley Research GroupminorVendor of Express Scripts (Medical Mutual's contracted pharmacy benefit manager) that experienced a data breach. Customers were notified of the incident.
Scale indicators5 records
Recent moves7 records
Expansion highlights5 records
MedMutual Protect competitors and assessment
Company assessmentDirect peers
- Aflac: Aflac is the largest specialty provider of supplemental insurance (accident, cancer, hospital indemnity, critical illness) in the U.S., sold through worksite and individual agent channels. It competes head-to-head with MedMutual Protect's accident, cancer, and hospital indemnity lines.
- Mutual of Omaha: Mutual of Omaha is a direct peer offering Medicare Supplement, accident, and supplemental health products distributed through independent agents nationwide. Its product mix, agent-led distribution model, and senior-focused positioning closely mirror MedMutual Protect's core book.
- Globe Life: Globe Life and its subsidiaries (Globe Life Direct, Liberty National, Family Heritage) sell individual supplemental health and life insurance products directly to consumers and through agents. Overlap with MedMutual Protect's accident, cancer, and hospital indemnity portfolio is direct.
Broad incumbents
- UnitedHealthcare (UnitedHealth Group): UnitedHealthcare is the dominant U.S. health insurer, offering Medicare Supplement, Medicare Advantage, and supplemental products at national scale. Its scale, brand, and AARP partnership make it the most consequential competitor in MedMutual Protect's Medicare Supplement market.
- Elevance Health (Anthem Blue Cross Blue Shield): Elevance Health's Anthem Blue Cross Blue Shield plans sell Medicare Supplement and individual ACA products across multiple states, providing a major incumbent competitor with brand recognition and large network scale overlapping MedMutual Protect's footprint.
- Humana: Humana is one of the largest Medicare Advantage and Medicare Supplement insurers in the U.S., with a broad portfolio that includes supplemental individual products. It overlaps with MedMutual Protect's Medicare Supplement line but is far larger and more diversified.
- CVS Health / Aetna: CVS Health's Aetna division sells individual Medicare Supplement and supplemental insurance products through agents and direct channels. The retail-pharmacy integration and brand scale make it a broad incumbent competitor.
- Cigna Group: Cigna offers individual supplemental health and Medicare Supplement products alongside its core health and global benefits business. It competes in the same supplemental segment but as part of a much broader portfolio.
Regional players
- Blue Cross Blue Shield Association (individual plan affiliates): Individual Blue Cross Blue Shield state plans (e.g., BCBS of specific states) sell Medicare Supplement and supplemental products within their respective geographies. They overlap with MedMutual Protect in states where BCBS is licensed and offer similar MedSupp products.
Emerging players
- Allstate Health Solutions: Allstate Health Solutions offers supplemental health and Medicare-related products distributed through national broker networks. It is a more recent entrant than MedMutual Protect but uses a comparable agent-led distribution model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights6 records
Customer concentration
MedMutual Protect social profiles
Digital presenceMedMutual Protect financial estimates
Financial estimateRevenue estimate
Valuation estimate
MedMutual Protect leadership team
Management profileNumber of profiles
Profiles1 record
MedMutual Protect subsidiaries and ownership
Company hierarchySubsidiaries4 records
MedMutual Protect funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
MedMutual Protect M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about MedMutual Protect
What does MedMutual Protect do?
MedMutual Protect sells individual supplemental health insurance products (accident, accidental death & dismemberment, cancer, dental, vision, home health care, hospital indemnity/confinement, specified disease, and Medicare Supplement) underwritten by partner insurance carriers Reserve National, Fidelity Security Life, United Insurance, and MedMutual Life. Products are distributed in 30 U.S. states through independent agents and brokers, supported by an online quote, member portal, and FHIR-based member data access.
Is MedMutual Protect a public or private company?
MedMutual Protect is a private company. It is classified as corporate owned and is currently operating.
When was MedMutual Protect founded?
MedMutual Protect was founded in 1934. It employs 101 to 250 people.
Where is MedMutual Protect based?
MedMutual Protect is headquartered in Oklahoma City, United States, in the North America region.
How does MedMutual Protect make money?
One revenue line is on record: supplemental Health Insurance Premiums.
Who are MedMutual Protect's main competitors?
Direct peers on record are Aflac, Mutual of Omaha and Globe Life. Broad incumbents are UnitedHealthcare (UnitedHealth Group), Elevance Health (Anthem Blue Cross Blue Shield), Humana, CVS Health / Aetna and Cigna Group. Blue Cross Blue Shield Association (individual plan affiliates) is listed as a regional player. Allstate Health Solutions is listed as an emerging player.
Does MedMutual Protect have an API?
Yes. MedMutual Protect offers a FHIR API that enables members enrolled in CMS-regulated health plans to access their health information through third-party health applications of their choosing. The API is built on Fast Healthcare Interoperability Resource (FHIR) standards and provides access to adjudicated claims data, encounter data, Part D drug data, and clinical information including laboratory results. Members can use their My Health Plan registration credentials to authorize app access through the API. Developer documentation is at www.medmutual.com/About-Medical-Mutual/Third-Party-App-Access-for-Members.aspx.
What industry is MedMutual Protect in?
MedMutual Protect's product category is Supplemental Health Insurance. Its primary akta.pro industry code is HLAEABAJ, Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity), with a secondary code of FSAIAEAG, Medicare Supplement (Medigap). Its NAICS code is 5242 and its SIC code is 6411.