Coverage Flexibility

Tailor a plan for your organization

It's all about what makes the most sense for your organization.

Medical Mutual offers unusual flexibility in program structure. For smaller hospitals and physician practices, our first-dollar coverage plan provides outstanding security, along with all the value-added benefits every Medical Mutual member-policyholder enjoys, including complimentary risk management services that help minimize exposures in the care environment. And larger practices and hospitals can take advantage of our innovative rShare program, which provides a range of deductibles and limits from which to choose, as well as co-participation options for sharing risk above your combined deductible limits.

The upshot is that you and your agent-advisor can work with your Medical Mutual underwriting team to tailor a plan that provides the best coverage for any given budget.

rShare Risk Sharing Program

For more information on program structure and Medical Mutual’s innovative rShare risk sharing program, contact your Authorized Medical Mutual agent or the Company Underwriting Department for a free assessment of what coverage options might work best for your organization.

rShare Brochure

BeaconHarbor Mutual Risk Retention Group

For organizations with operations outside of Medical Mutual’s primary service area, BeaconHarbor Mutual Risk Retention Group offers seamless coverage. BeaconHarbor was formed to provide seamless coverage to Medical Mutual clients that need to insure providers, affiliated organizations, facilities, satellite operations or other healthcare activities in states where the Company is not an Admitted Carrier. This allows us to offer coverage in all the New England states and New York, providing seamless coverage including all the advantages and backing of our exceptional claims, underwriting and risk management services.

BeaconHarbor Brochure

The Flexibility You Need

From first dollar coverage to deductible options with a range of limits, to co-participation options for sharing risk above your combined deductible limits, Medical Mutual offers unusual flexibility in program structure. The upshot is that you can work with your Medical Mutual underwriting team to tailor a plan that provides the best coverage for any given budget.

For more information on program structure, contact your Authorized Medical Mutual agent or the Company Underwriting Department for a free assessment of what coverage options might work best for your organization.