Join more than 7,500 small businesses with 1-50 employees who save on their health benefits.

Medical Mutual and the Council of Smaller Enterprises (COSE) have teamed up to offer a new benefit option to small businesses of 1 to 50. The COSE Benefit Plan is a multiple employer welfare arrangement (MEWA). You may be thinking, what does that mean? Well, it’s simpler than it sounds! Let us break it down for you:

  • self-funded benefit option, meaning you pay a fixed amount based on the number of employees and estimated costs associated with the plan, backed by Medical Mutual’s stop-loss coverage.
  • Offered through various plan types, such as traditional copay plans and high-deductible health plans with varying deductibles and coinsurance.
  • Includes prescription drug benefits with access to more than 70,000 pharmacies.
  • Access to Medical Mutual’s high-quality network of doctors and hospitals.
  • Allows you to join with more than 7,500 other small businesses, sharing risk and pooling contributions, so you can offer similar benefits that large corporations do.
  • May be less expensive than Affordable Care Act (ACA) plans since rates are set by medical history, gender, age and location. Plus, the COSE MEWA is not subject to some of the ACA-mandated taxes and fees, so these savings are passed along to you.
  • Includes comprehensive wellness programs that help promote healthy lifestyles and keep your employees feeling their best.
  • Ability to add on other Medical Mutual products, such as dental, vision and life & disability insurance, keeping all your Sales & Service in one spot.

Now, you may be asking yourself “How do I sign up?”

After going through Medical Mutual’s underwriting process, you must join the Richland Area Chamber & Economic Development if you are not already a member. We always suggest starting with your broker. Tell them you heard about the COSE MEWA through a Chamber email. If you don’t have a broker, give us a call at 800-367-7655 or fill out a quote form here. We will refer you to one of our broker partners, depending on your location and needs.