MESSA ABC Highlights
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MESSA ABC Highlights
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MESSA ABC: Answers to Frequently Asked Questions
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Find detailed information about how MESSA ABC helps you save money in our
. You can find specific details about your plan in the
What is MESSA ABC?
MESSA is known for great member service and high-quality coverage. Will MESSA ABC provide the same service and quality?
What are the advantages of having a lower-premium, higher-deductible MESSA ABC health plan?
MESSA Choices/Choices II PPO plans give members a wide choice of doctors, hospitals, specialists and pharmacies. Will I have a large choice of In-network hospitals, doctors and specialists with MESSA ABC?
My MESSA ABC plan includes a higher deductible than I’ve had before. Why is the deductible so much higher with MESSA ABC?
When does the deductible start?
Does my ABC plan deductible apply to all medical expenses?
I like the “free” components to MESSA ABC. What benefits are free?
Do I have to pay the full cost of non-preventive prescription drugs that are subject to the deductible?
Do the deductibles in MESSA ABC plans work the same as standard MESSA Choices/Choices II plans in regard to individual and family deductible levels?
Do MESSA ABC plans have a 4th quarter deductible carry-over feature?
Are there separate deductible levels for medical services received from In-network and Out-of-network providers?
What happens after I meet the deductible amount? I have a $20 office visit copayment with my current MESSA Choices plan. Will I have to pay office visit copayments with a MESSA ABC plan too?
With MESSA ABC, do I have to go to an In-network provider?
What preventive prescriptions are covered for free?
What preventive medical services are covered at no charge to me?
What is the difference between preventive care and diagnostic medical services?
Where can I get a complete list of my benefits?
My association has bargained a choice for employees between a MESSA ABC plan and a standard MESSA Choices/Choices II plan. How can I get help to make the right choice for me?
Q&As on Health Savings Accounts (HSA) and Related Issues
I want to cover my 25-year-old daughter under my MESSA ABC health plan as allowed by the Affordable Care Act (ACA). However, she is not eligible to be claimed as a dependent on my tax return. Can I use funds from my HSA to pay for her out-of-pocket costs such as copayments and deductible expenses?
How much money can I contribute to my HSA?
I have a MESSA ABC plan now. Where do I go to start an HSA?
What if I am covered under my spouse’s insurance but I want to enroll in one of the MESSA ABC plans and contribute to an HSA?
How do I know if I’m eligible for an HSA?
I am considering an HSA-qualified MESSA ABC health plan for myself. My husband will be keeping his non-HSA-qualified health plan through his work and we’re going to keep our children covered on his plan. Can I use the money in my HSA to pay for my children’s medical expenses, copayments and deductibles?
Can I have a Health Savings Account
a Flexible Spending Account?
Who owns the HSA?
Can I access my HSA online?
Who can put money in my HSA?
What happens to the money in my HSA if I leave my job or retire?
Does the money I have in my HSA roll over from year to year or do I lose the money at the end of the year?
Can I take the money out of my HSA any time I want?
Does the money in my HSA earn interest?
Can I invest the money in my HSA?
Is my HSA FDIC-insured?
Can I roll the money from my IRA into my HSA?
Do I pay for the full doctor's office visit when I go to the doctor?
If my spouse is on Medicare, can I contribute to an HSA?
Can I use the money in my HSA for non-medical expenses?
Can I use my HSA to pay for dental expenses and orthodontics?
Can I use my HSA to pay for voluntary cosmetic surgery?
Who do I contact about HSA eligibility and other questions?
MESSA’s award-winning Member Service Center is here to help you. Please call 800.336.0013 Monday through Friday between the hours of 8 a.m. and 5 p.m. to speak with a Member Service Specialist.
Introducing MESSA ABC PDF
FREE Preventive Drugs List
MESSA ABC Rx Coverage
HealthEquity: Learn More
Plan Comparison Tool
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