MESSA ABC is a high-deductible health plan that is eligible for a health savings account (HSA). It features three deductible options, as well as numerous coinsurance and prescription options.

“I’m not only a MESSA employee, I’m also a MESSA member. As a family of five, we love our ABC plan. We are able to take advantage of some free medications with this plan while maintaining the full comprehensive MESSA coverage. The health savings account has really been the most advantageous part of the plan for our family. The tax savings on the money we have to spend on health care, while also being able to save for future health care costs, has brought additional peace of mind financially.”

MESSA Balance+ is a high-deductible health plan that is eligible for a health savings account and includes MESSA’s bundle of supplemental plans. It features copays for appointments and coinsurance for services.

“A number of my members enrolled in Balance+ for the premium savings and the added benefit of the supplemental plans that pay cash for services they or their family members might have if they were in an accident, hospitalized or diagnosed with a critical illness. This plan met their families’ needs while providing them with the benefit of a health savings account and the peace of mind that comes with knowing that if something unexpected happens, they have the supplemental plans to help pay for expenses. But it’s not always the unexpected — you also get cash when you get certain preventive care or have a baby.”

MESSA Choices is a traditional PPO plan that comes with a wide variety of deductible, coinsurance and prescription drug options.

“MESSA Choices offers robust benefit coverage, access to the largest PPO network in Michigan and can be paired with a flexible spending account.

“Many members continue to select MESSA Choices for the ease of management it offers, the assurance of great coverage and its fourth-quarter deductible carryover plan feature — which credits any deductible satisfied in the fourth quarter to the next plan year.”

Essentials by MESSA is a low-deductible, lower-premium plan that includes flat-dollar copays or coinsurance for prescription drugs and 20% coinsurance on medical services.

“The Essentials by MESSA plan is a versatile medical option that combines the great coverage and service MESSA members expect with a very low deductible, no deductible on prescriptions, and the lowest premium for our members and their families that we offer. Our goal with the Essentials by MESSA plan is to provide comprehensive benefits, while allowing our members to keep more of their money in their own pocket.”