Welcome to your Liberty Mutual benefit

Access your
healthcare account

Included Health app Expert Medical Opinion

Discover all your benefits

Liberty Mutual and Included Health have teamed up to support you and your family’s overall health at no cost to you.
Now you just need to activate your membership.

 

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Get a second opinion from a leading specialist

woman on phone chatting with a nurse

Chat with a nurse for treatment advice

patient talking with a specialist doctor

Get matched with an in-network doctor near you

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What a second opinion can help with:

  • Cancer

  • Diabetes

  • Joints and muscles

  • Back and knee pain

  • Fertility conditions

  • Long covid

  • Heart issues

  • Migraines

  • Alternatives to surgery

  • Medication options

  • Weight Management

  • Mole and skin growths

  • Depression and anxiety

  • And more
Curious about a second opinion?

Watch our video to learn how easy it is to get an expert second opinion with Included Health. Your care team does the hard work for you, so you can focus on feeling better.

illustration of doctors standing next to each other
Playtime1:13

Get the best care from the best doctors.

Leading specialists

Get matched with the right doctor you, whether you need preventive, everyday, or mental health care

Top institutions

Johns Hopkins, Stanford, Yale Medicine—find a top specialist no matter how unique your condition.

No cost to you

Included Health is part of your benefits, so it is no cost to you and your covered dependents.

Instant advice

Monday through Friday, from 8 a.m. to 9 p.m. ET, chat with a nurse for treatment advice.

Available anywhere

The right doctor isn’t always right around the corner. Get the best no matter where you live.

Easy and convenient

Your care team finds the right doctor, books the visit, and does the paperwork work for you.

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LGBTQ+ Health

Say hello to safe, supportive, LGBTQ+ care.

Our queer and trans-led team knows first-hand the challenges and barriers the LGBTQ+ community faces. That's why we help you, your loved ones and other members of the LGBTQ+ community access affirming, high-quality care.

Black Health

See a doctor who sees you.

We’ll match you with an experienced coordinator on our Black-led care team to guide you through any healthcare need. From pregnancy to primary care, Included Health gets you the right care, right away—in your network and in your neighborhood. 

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Do it all from the
Included Health app.

Screenshot of Included Health App
Scan the QR code to install the app
Download the Included Health app.

Frequently asked questions

Common questions about our health benefit

Included Health is a health benefit made available to you through your employer. We are a guide and resource for your medical and health care-related needs. Our services include finding you the top doctors and specialists in your insurance network, booking doctor’s appointments on your behalf, getting you remote second opinions from world-leading experts, answering any questions you may have about your medical conditions, and more.

Use Included Health when:

  • You need a primary care physician or specialist for an in-person visit. We’ll help you find trusted and experienced doctors within your insurance network and can even set the appointment for you.
  • You’d like quick answers to medical questions. We can provide you with over-the-phone guidance and support from a Included Health doctor.
  • You’re unsure about a diagnosis, or you’ve been recommended surgery as a form of treatment. We can arrange for you to get a remote second opinion from a leading expert specializing in your area of need.
  • Liberty Mutual is offering a $500 incentive to eligible Liberty Mutual Health Plan participants who complete an Expert Medical Opinion with Included Health prior to a hip/ knee replacement, bariatric or spinal procedure, or for a cancer diagnosis or treatment. The incentive is available to employees and their spouses/domestic partners who are enrolled in Liberty Mutual’s Health Plan, who complete the Expert Medical Opinion process for one of the above conditions, and who have been approved by Included Health. Incentives will be paid as soon as administratively practicable into the employee’s HSA. Incentives for eligible dependents will also be paid into the employee’s HSA. If not eligible for an HSA or an HSA has not been opened yet, the incentive will be payable as taxable income within the employee’s paycheck.

Included Health is for all Liberty employees and their extended families (e.g., parents, in-laws, siblings and children age 18 or older). You do not need to be enrolled in the medical plan to use Included Health.

Included Health is fully covered by your employer and available at no cost to you and your family members. Simply enter your information and Included Health will waive all fees. Plan guidelines will apply for any treatments as a result of the Expert Opinion or Office Visit – Included Health will find the doctor, collect all relevant medical records, and (if necessary) schedule the appointment at no cost.

All Included Health services can be easily accessed by calling our Care Team, or accessing your account at includedhealth.com
Included Health physicians span all conditions and specialty areas, including: back and knee pain, cancer, heart disease, arthritis, behavioral health disorders, migraines, digestive system disorders, dermatology, pediatrics, ACL tears, and much more.
Included Health selects physicians based on their education and training, patient outcomes, and location. As a result, we’re able to match you with highly experienced doctors and specialists who are best suited to your personal preferences and medical needs.
Typically, you’ll only pay your regular copay and office visit fees for seeing an in-network doctor. For further details, call the Included Health Care Team.
Most doctors are glad to get the opinions of their peers when assessing complicated medical issues. Their primary goal is to get you feeling better. A good way to frame a conversation with your treating physician regarding a Included Health expert opinion is:
  • “I requested a consultation about [condition] and here’s what I learned…”
  • “Here’s what I was surprised to find out…”
  • “Dr. Smith recommended these options for my care because of these reasons…”
Any personal health information you share with Included Health is held confidentially and will not be shared by us, unless authorized by you, or where legally permissible and/or required under applicable law.
Included Health is not affiliated with your insurance, and operates separately to guide your ongoing care. The goal of Included Health is to provide you with useful information about your health so that you can make informed decisions about your medical care, and have healthier outcomes overall.
The last four digits of your SSN are needed to confirm both your identity when creating an account and your eligibility for the Included Health benefit.