Think Differently About Your Small Business Health Benefits.

Medical Mutual, the Toledo Regional Chamber of Commerce and the Council of Smaller Enterprises (COSE) have partnered to offer the COSE Benefit Plan to small businesses including sole proprietors and self-employed individuals. The COSE Benefit Plan is a multiple employer welfare arrangement (MEWA) that includes predictable rates and a broad variety of self-funded plan options. 

Request a Quote

Woman dressing a mannequin in a clothing store with a graphic of an arrow that reads, "Health is Power."

Here’s why COSE Benefit Plan is a top choice for Toledo Regional Chamber of Commerce members:

  • Diverse plans: Choose from a wide range of plans, including high deductible and copay options with built-in prescription drug coverage.  
  • Cost-effective: Benefit from competitive pricing, including up to 25% savings in funding rates1 and additional savings up to 15% with Member Choice2.  
  • Comprehensive coverage: Access healthcare anytime, anywhere through our local and national networks.  
  • Risk protection: Gain added financial security with stop-loss coverage.  
  • Exceptional plan administration: Experience top-tier local customer service from Medical Mutual, supported by a mutual business model that prioritizes customer needs

Key features with the COSE Benefit Plan

Member Choice

Offer alternative coverage options with the same deductible at different price points and save up to 15% in funding rates. This gives employees choice in plan design selections while not having to choose between deductibles. 

Check out plan pairings

Multi-policy Bundling Credit

Bundle dental, indemnity, or life plans with one of our self- or level-funded small group health plans and receive a one-time invoice credit. Savings vary based on the number of enrolled employees and the products you add. 

See how much you can save

Network Strength

Access healthcare anytime, anywhere through our narrow to broad network options with more than 12,000 primary care doctors, 46,000 specialists and 19,000 locations across Ohio, plus national network access through Cigna when traveling out-of-state.

See if your providers are in our network

How to Qualify

All qualifying small businesses must enroll and maintain good standing with the Toledo Regional Chamber of Commerce. If you are not in the designated chamber region, you can join through another affiliate chamber or COSE. 

Request a Quote

1Based on average group savings from moving to COSE Benefit Plan.
2Calculated based on savings between suggested Member Choice pairings.