Plans & Premiums for Enrollees Without Medicare
Premium information for this plan is listed after the plan features.

Within the indemnity and PPO plans administered by Aetna and Medical Mutual, you can choose from two coverage levels — Basic or Plus. Click here to find out if a Basic Plan is a good match for you.

Indemnity Plans

Medical Mutual Plus Indemnity¹

Plan Features
Annual Deductible per Enrollee2	$500
Out-of-Pocket Maximum2 (Annual amount enrollees pay excluding the annual deductible and prescription drug copayments)	$1,500 per single enrollee $3,000 per family
Lifetime Benefits Maximum per Enrollee	$2,500,000
Health Provider Access	Use any covered provider
Physician, Hospital, Skilled Nursing & Home Health Care
Physician Office Visit	Enrollee pays 20%
Hospital Inpatient Services
Hospital Charges for Outpatient Surgery and Preadmission Testing
Emergency Room Care
Skilled Nursing Facility	Enrollee pays 20% (90 days per benefit period); after 90 days, enrollee pays 100%
Inpatient Mental Health	Enrollee pays 20%; no limit on days
Home Health Care	Enrollee pays 20%; no visit limit
Preventive Services
Physical Exam	Enrollee pays 20%; limit one per calendar year
Bone Density Screening
Immunizations/Inoculations
Colorectal Cancer Screening
Prostatic Specific Antigen (PSA)
Pap Smear
Mammogram
Outpatient Services
Diagnostic X-ray and Lab Testing	Enrollee pays 20%
Outpatient Mental Health	Enrollee pays 20%; no visit limit
Additional Services
Dental Care	No coverage
Vision Care
Prescription Drug Coverage
Retail Network Provider	Express Scripts
Retail Copayment/ Coinsurance3	Tier 1: $10 ($25 PPI) Tier 2: $30 ($50 PPI) Tier 3: $50 ($75 PPI) Prilosec OTC®/OTC omeprazole: $5 with prescription If the cost of the drug is less than the copayment, the enrollee pays the cost of the drug. Once the enrollee has paid a total of $2,000 out of pocket in retail and mail-order copayments, that individual pays nothing for covered drugs for the remainder of the year. Out-of-network pharmacy: Reimbursed the amount STRS Ohio would have been charged at a network pharmacy, less copayment.
Maximum Day Supply at Retail4	30 (28 Prilosec OTC®/OTC omeprazole)
Mail-Order Provider	Express Scripts
Mail-Order Copayment3	Tier 1: $25 ($65 PPI) Tier 2: $75 ($125 PPI) Tier 3: $125 ($190 PPI) Prilosec OTC®/OTC omeprazole: Not covered If the cost of the drug is less than the copayment, the enrollee pays the cost of the drug. Once the enrollee has paid a total of $2,000 out of pocket in retail and mail-order copayments, that individual pays nothing for covered drugs for the remainder of the year.
Maximum Day Supply at Mail4	90

¹Payments are based on reasonable charges or traditional amounts for medically necessary services as established by the health care plan administrator. If nonparticipating providers or providers that do not accept Medicare assignment charge in excess of these payments, the enrollee is responsible for the excess charges.

² Annual deductible must be met before benefits are payable, unless otherwise noted. In-network and out-of-network accumulations are separate.

³ Different copayments apply to proton pump inhibitor (PPI) medications under Express Scripts. Designated double-strength medications may be available for half the applicable copayment under Express Scripts.

⁴ Applies to all medication classes unless otherwise specified. Designated double-strength medications are only available for half the maximum day supply under Express Scripts.

 

Medical Mutual Plus Indemnity
Monthly Premiums — Without Medicare

Eligibility Group	TOTAL COST: $827
Benefit Recipient Years of Service	STRS OHIO PAYS	YOU PAY
30+	620	207
29	600	227
28	579	248
27	558	269
26	538	289
25	517	310
24	496	331
23	476	351
22	455	372
21	434	393
20	414	413
19	393	434
18	372	455
17	351	476
16	331	496
15	310	517
Less than 15 Years of Service1	0	827
NOTE: The “Total Cost” listed above is the amount a benefit recipient would pay if he or she paid 100% of the premium cost for coverage under each plan.
Spouse	0	760
Dependent Children	0	224
Sponsored Dependent, Adult	0	760
Sponsored Dependent, Children	0	224
NOTE: The “Total Cost” for eligible dependent coverage varies by plan and is listed in the “You Pay” columns.

¹ Benefit recipients with a benefit effective date of Jan. 1, 2004, or later need 15 years of qualifying service credit to purchase health care coverage through STRS Ohio. Benefit recipients with a benefit effective date before Jan. 1, 2004, who have less than 15 years of service credit have access to coverage, but will pay 100% of their health care premium.