MESSA Balance+: Peace of mind for your well-being and your budget
MESSA Balance+ gives you what you need and more
MESSA Balance+ gives members more options than ever when it comes to choosing the right plan to fit every need and every budget.
MESSA Balance+ features
Health savings account
MESSA Balance+ comes with a health savings account (HSA) — a tax-free account that you can use to pay for qualifying medical, vision and dental expenses, including deductible expenses, copays and coinsurance.
An HSA provides triple tax savings — with no taxes on contributions, earnings or withdrawals. You own the account forever and the balance carries over from year-to-year, allowing you to build a nest egg to cover health expenses in retirement.
Supplemental plans
MESSA Balance+ includes the bundle of MESSA’s supplemental plans that provide financial security by paying cash benefits if you or a covered loved one is injured, receives a serious diagnosis or has a hospital stay. The Supplemental Plans Bundle booklet provides detailed information on all three plans.
Learn more: The Supplemental Plans Bundle booklet provides detailed information on all three plans.
Accident plan
Accident plan
Pays cash benefits if you or a covered dependent experience an accidental injury. It even covers injuries from kids’ organized sports with a 25% increase in your cash benefit payout.
Critical Illness plan
Critical Illness plan
Pays cash if you or a covered dependent are diagnosed with a covered illness or condition. Pays $50 per covered individual for certain preventive screenings and care that you already receive every year.
Hospital Indemnity plan
Hospital Indemnity plan
Pays a lump sum for admission and a daily benefit for a covered hospital stay due to childbirth, illness, injury or surgery.
It’s easy to file a claim
MESSA Balance+ Rx
MESSA Balance+ features a robust prescription plan with an extensive list of free preventive prescriptions.
Prescription costs are broken down into flat-dollar copays for certain generic drugs and brand-name drugs, and coinsurance for specialty medications. You’ll pay the full cost of prescriptions until your deductible is fully paid. After your deductible is met, you are responsible for copayments or coinsurance until you reach your out-of-pocket maximum.
| Types of medications | Up to 34-day supply after deductible is met | 90-day supply after deductible is met |
|---|---|---|
| Generic drugs Members pay the lowest copay for generics, making them the most cost-effective option for treatment. |
$10 copayment | $30 copayment |
| Preferred brand-name drugs Includes preferred brand-name drugs. These drugs are more expensive than generics. |
$40 copayment | $120 copayment |
| Nonpreferred brand-name drugs Includes brand-name drugs for which there’s either a generic alternative or a more cost-effective, preferred brand-name drug available. |
$80 copayment | $240 copayment |
| Preferred specialty drugs Includes generic and brand-name specialty drugs that are used to treat difficult health conditions. |
20% coinsurance with a maximum of $150 (up to a 30-day supply) |
Not available |
| Nonpreferred specialty drugs Includes nonpreferred brand-name specialty drugs that are used to treat difficult health conditions. Members pay more for nonpreferred specialty drugs because there are more cost-effective generic or preferred drugs available. |
20% coinsurance with a maximum of $300 (up to a 30-day supply) |
Not available |
The nitty-gritty details
You can count on Balance+ to help keep your life humming along.
For more information about MESSA Balance+
Contact your local field representative at 800-292-4910, ext. 7871.
Availability of MESSA Balance+ is subject to your bargained benefits.
HSA resources
Medicare and HSA eligibility
HSA Eligibility
HSA FAQs
