Carrier Folder
MEDMUTUAL PROTECT
A Medical Mutual Company
Affordable Cost Solution, Hospital Confinement Indemnity, Outpatient Fixed Indemnity, Specified Disease, Accident, Dental and the SimpliCare discount plan — pulled straight from the agent resource library for Team Savage agents.
Policy Form ACS-1. No deductibles — every payable benefit is paid in full, in addition to any other health coverage the client carries. Client selects their own hospital or physician; benefits reset each policy year. Underwritten by Reserve National Insurance Company.
| Benefit | Benefit Amount | Limitations |
|---|---|---|
| Benefits Payable in the Hospital | ||
| Hospital Confinement, Day 1-5 | $4,000/day | 180 days/policy year |
| Hospital Confinement, Day 6-30 | $2,000/day | |
| Hospital Confinement, Day 31-180 | $500/day | |
| Alternate Daily Benefit | Also available at $2,000 / $1,000 / $500 per day for the same day tiers | |
| Intensive Care Unit | $1,000/day | 10 days/policy year — paid in addition to Hospital Confinement |
| Inpatient Doctor Visits | $75/day | 10 visits/policy year |
| Benefits Payable Out of Hospital | ||
| Outpatient Chemotherapy / Radiation | $1,000/day | 20 days/policy year |
| Benefits Payable In or Out of Hospital | ||
| Surgeon's Indemnity Benefit | $12,000 or $6,000 (select one) | Max selected amount for all surgical operations in a policy year; payable for inpatient or outpatient surgery |
| Anesthesiologist's Indemnity Benefit | 25% of Surgeon's Indemnity Benefit | Paid in addition to Surgeon's Indemnity Benefit |
| Day of Surgery Indemnity Benefit | 125% of Surgeon's Indemnity Benefit | Paid in addition to Surgeon's + Anesthesiologist's benefits |
Policy Form HDI with Riders HDI-SRG-1 and HDI-AMB. Choose the daily hospital confinement benefit level that fits the client's budget — coverage supplements any existing health insurance, including Medicare, and pays regardless of other coverage.
| Duration | Option 1 | Option 2 | Option 3 | Option 4 |
|---|---|---|---|---|
| First 10 days | $100/day | $500/day | $1,000/day | $2,000/day |
| Next 21 days | $50/day | $250/day | $500/day | $1,000/day |
Benefit renews each policy year.
Surgery Benefit Rider (HDI-SRG-1)
Payable for either inpatient or outpatient surgery — hospitalization is not required.
Surgeon's Benefit by Surgical Schedule:
A: $50–$1,000 · B: $100–$2,000 · C: $150–$3,000 · D: $200–$4,000
Anesthesiologist's Benefit: 25% of Surgeon's Benefit. Day of Surgery Benefit: 125% of Surgeon's Benefit.
Ambulance Benefit Rider (HDI-AMB)
Ground Ambulance: $600 (4 trips/policy year)
Air Ambulance: $5,000 (2 trips/policy year)
Policy Form OP-1 — Supplemental Outpatient Fixed Indemnity Policy. No deductibles, no coordination of benefits, client's choice of hospital/physician. Designed to supplement existing health insurance for outpatient procedures and emergency trips.
| Benefit | Option 1 | Option 2 |
|---|---|---|
| Preventive Care Indemnity Benefits | ||
| Colonoscopy (age 50+, 1/5 policy yrs) | $500 | |
| Mammogram (female age 35+) | $125 | |
| Pap Smear (1/policy yr) | $100 | |
| Prostate Exam (age 50+, 1/policy yr) | $75 | |
| Diabetes Blood Test (1/policy yr) | $50 | |
| Outpatient X-Rays & Lab Tests | ||
| MRI or CT Scan | $750 | $500 |
| X-ray | $75 | $50 |
| Lab Test | $50 | $25 |
| Max Benefit per Policy Year | $2,000 | $1,000 |
| Outpatient Doctor Visits | ||
| Office/Clinic Visit (1/day, 4/policy yr) | $50 | $25 |
| Ambulance Benefit | ||
| Air Ambulance (2 trips/policy yr) | $1,500 | $1,500 |
| Ground Ambulance (4 trips/policy yr) | $500 | $250 |
| Emergency Room Indemnity | ||
| ER Visit (1/policy yr) | $500 | $300 |
| Prescription Indemnity | ||
| Per Prescription | $25 | $10 |
| Max Benefit per Policy Year | $500 | $250 |
Policy Form SD-3 (SD-1 in Virginia) — $5,000,000 lifetime max for outpatient and inpatient services caused by a covered specified disease. Pays in addition to any other coverage. 5 plan options; 3 of the 5 include a Wellness Benefit.
| Deductible | Coinsurance | Max Benefit | Wellness Benefit* |
|---|---|---|---|
| $0 | 100% | $10,000 | Not included |
| $0 | 100% | $25,000 | Not included |
| $500 | 80% | $1,000,000 | Included |
| $2,500 | 80% | $1,000,000 | Included |
| $5,000 | 100% | $1,000,000 | Included |
*Wellness Benefit pays up to $200 once per calendar year, after a 90-day waiting period. Not available in CO, IL or MI.
Covered In/Out-of-Hospital Benefits
Emergency Room / Urgent Care (if treatment is caused by a covered disease) · Hospital Stay & Services · Surgery · ICU · Anesthesia · Prosthesis · Physician Treatment · Outpatient Surgery · Outpatient Anesthesia · Physical Therapy · Ambulance · Doctor's Visits · X-Rays & Lab Tests. Once the deductible is met, MedMutual Protect pays 80% or 100% (by plan) of covered expenses up to the policy max.
Optional Cancer First Occurrence Rider (CFO)
Pays a one-time lump sum on a covered person's first diagnosis of cancer — payable only once per covered person, for the lifetime of the policy.
Benefit amounts: $25,000 or $50,000
Coverage is for specified diseases including:
Policy Form SA-2 — pays for covered accidental injuries regardless of any other health coverage. Same 5-option plan design as Specified Disease; premiums vary by age band and state (confirm current rates before quoting).
| Deductible | Coinsurance | Max Benefit |
|---|---|---|
| $0 | 100% | $10,000 |
| $0 | 100% | $25,000 |
| $500 | 80% | $1,000,000 · FirstHealth Network |
| $2,500 | 80% | $1,000,000 · FirstHealth Network |
| $5,000 | 100% | $1,000,000 · FirstHealth Network |
Covered In/Out-of-Hospital Benefits
Emergency Room* / Urgent Care Center · Hospital Stay & Services · Surgery · ICU · Anesthesia · Prosthesis · Physician Treatment · Outpatient Surgery · Outpatient Anesthesia · Physical Therapy · Ambulance · Doctor's Visits · X-Rays & Lab Tests. *ER treatment must occur within 48 hours of the covered accident and incurs expenses in excess of the selected deductible.
Optional Accidental Death & Dismemberment (AD&D)
Pays if a covered person's injury from a covered accident results in death within 90 days of the accident. Age minimum varies by state.
Age 19+: $50,000 · Age under 19: $10,000
Policy Form KHD20 — no restrictive network, use any dentist. Lump-sum reimbursement per covered service, up to $1,500 per covered person per calendar year, paid directly to the client or their dentist. Guaranteed renewable at the client's option. No waiting period or deductible for Preventive Care.
| Benefit | Basic Coverage | Major Coverage |
|---|---|---|
| Annual Benefit Maximum | $1,000 | $1,500 |
| Preventive Services (up to $150/visit, no waiting period) | ||
| Routine Exams, X-Rays, Cleanings, Fluoride | ✓ | ✓ |
| Basic Services (3-month waiting period; subject to combined max) | ||
| Fillings, Replacement/Repair to Existing | ✓ | ✓ |
| Replacement/Repair to Existing Bridges | ✓ | ✓ |
| Replacement, Repair or Adjustment to Existing Dentures | ✓ | ✓ |
| Major Services (6-month waiting period; subject to combined max) | ||
| Inlay and Onlay | — | ✓ |
| Crowns | — | ✓ |
| Root Canal | — | ✓ |
| Dentures | — | ✓ |
| Bridges | — | ✓ |
MedMutual Protect SimpliCare is a companion discount membership, not insurance — a low-cost add-on value point for any household. Members present their ID at a participating provider to receive discounts immediately, no claims filing required.
Member Only $19.99/mo · Member & Family $29.99/mo
Plus a one-time $20 application fee. Register online or by calling DialCare at 1-855-335-2255, then log in at member.dialcare.com.
Telemedicine & Mental Wellness
- DialCare Urgent Care — unlimited, no-cost phone/video doctor visits, 24/7/365, for colds, flu, rashes and more
- DialCare Mental Wellness — virtual/telephonic licensed counseling for depression, anxiety, grief, relationship issues; $40 consult fee applies
Dental & Vision Discounts
- Careington dental network — 20%-50% off routine exams, cleanings, major work incl. dentures, root canals, crowns
- EyeMed Vision Care Access network — 20%-40% off eyewear, exams, glasses & contacts at 90,000+ providers
Hearing & Prescriptions
- Hearing aid discounts of 30%-60% at 7,000+ network providers; 45-day satisfaction guarantee
- Rx discounts of 15%-80% on generics, 15%-25% on brand-name, at 60,000+ pharmacies incl. Safeway, CVS, Walgreens, Rite Aid
These lines are part of the MedMutual Protect / MedMutual of Ohio family but don't have their own agent brochure in this library yet — use the links below or ask your upline for current forms and rates.
Vision Insurance
Standalone vision coverage — listed on MedMutual Protect's product lineup alongside Dental. Confirm current plan design and rates with your upline.
Home Health Care
Available under the Under-65 and Senior Solution product tiers per the availability sheet. No standalone brochure in the current library — confirm plan details with your upline before quoting.
Medicare Supplement Plans
Senior Solution tier. Underwritten by United Insurance Company of America or Reserve National Insurance Company. Use the public site or your standard Med Supp resources to quote.
ACA Individual & Family Plans**
**ACA plans are brokered through Summerset Marketing Company, not written directly through MedMutual Protect's supplemental line.
Where to write business, pull marketing pieces, and keep up with product training.
Individual Agent Portal (StratusAMS)
Sign in to quote and manage individual and supplemental business as a MedMutual Protect agent.
Producer Resource Hub
Roadmap to Success, Career Guide, product overview, and the licensing checklist for new and growing agents.
Find an Agent Directory
Public-facing directory clients use to locate their MedMutual Protect agent — good to confirm your own listing.
SimpliCare Virtual Care
Public sign-up page for the SimpliCare discount and telemedicine membership — a value-add to point clients to alongside their policy.
Reserve National Insurance Co., Fidelity Security Life Insurance Co. (FSL), United Insurance Co. of America, and MedMutual Life Insurance Co.
1-800-654-9106
Varies by state — confirm before quoting. **ACA plans are brokered through Summerset Marketing Company.