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Claim Reports Examples

Here are some examples that help explain how copays, coinsurance and deductibles are computed that you might see on the Medical Mutual app or on your account on


Understanding Insurance Terms

Understanding Insurance Terms


DEDUCTIBLE ($100 Single/$200 Family)

The amount you are required pay for health care services before the health plan begins to pay for certain medical services. Deductibles are based upon a calendar year, which means each January 1 your deductible amount starts over.

Making a claim on my Flexible Spending Account

If you set up a Flexible Spending Account (FSA 125) then here are directions on how to make a claim.

(March 2020)

How to Access Your FSA- Non-MMO health plan members

For full online access to your FSA, including claims and balance information, contributions and important forms, you’ll need to create a new account or log in to your existing account. You can create an account by following these instructions:

Urgent Care vs. ER

You should know where the nearest Emergency Room to where your live.  Likewise, you should know where is the closest Urgent Care. 


Insurance dollars mispent translates to lowered benefits or salary.  It could also lead to staff reductions making everyone's job harder.  We have earned terrific benefits, but we should also be the ones taking care they are not wasted.  The ER costs up to 10 times higher than an Urgent Care for the same non-life-threatening emergency.

Medicare information

We have contract language surrounding medicare.  If you or your spouse is 65 or older please read.