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Plans and Services2018-12-12T11:50:26+00:00

MESSA MEDICAL HEALTH INSURANCE PLANS

Essentials by MESSA Plan Booklet PDF Link

ESSENTIALS BY MESSA PLAN

MESSA ABC Plan Booklet PDF Link

MESSA ABC PLAN

ESSENTIALS BY MESSA OVERVIEW
LEARN MORE ABOUT THE MESSA ABC PLAN
MESSA Choices Plan Booklet PDF Link

MESSA CHOICES PLAN

MESSA ABC Plan Booklet PDF Link

MESSA LMS PLAN

IMPORTANT INFORMATION FOR ALL MESSA MEDICAL PLANS

WHAT YOU SHOULD KNOW ABOUT REFERRALS
MEDICAL CARE WHILE TRAVELING IN THE U.S.

MESSA ABC PLAN

We’re here to help.

MESSA ABC is a high-deductible health plan that saves you money through lower premiums. MESSA ABC is also compatible with a tax-saving health savings account (HSA).

Learning how to manage a large deductible can be challenging at first. There is a learning curve. You have to budget each year for the deductible. Putting money tax-free into your HSA to pay medical expenses provides many financial benefits, even into retirement.

We’ve created this website to help you learn more about the MESSA ABC medical plan and how to put an HSA to work for you. The video below provides an overview and important tips to help you avoid problems. Use the playlist button to view other helpful MESSA videos.


MESSA ABC MEDICAL PLAN INFORMATION


MESSA ABC is a quality health plan with a large choice of doctors, hospitals and other providers, superb wellness and member education support, and in-network discounts. The information here will help you understand MESSA ABC medical coverage. If you have questions about the medical plan, call MESSA’s award-winning Member Service Center at 800.336.0013.

Six Smart Strategies to Stretch Your Dollars
Get the most out of your money with MESSA ABC and these six helpful tips.

Medical Plan Coverage Booklet
Understanding deductibles – MESSA can help
MESSA ABC: Free Diabetes Related Preventive Prescriptions
MESSA ABC: Free Cardiovascular Related Preventive Prescriptions
Quick Tips for MESSA ABC members – Plan 1
Quick Tips for MESSA ABC members – Plan 2
Quick Tips for MESSA ABC members – Plan 3
What you should know about referrals


A HealthEquity HSA account is included with MESSA ABC for each member. An HSA can be used to pay for qualified medical care expenses, including deductible expenses. The information here will help you understand the benefits of an HSA and how to effectively manage an account. If you have questions about a HealthEquity HSA, go to www.healthequity.com or call HealthEquity’s Member Services department at 877.218.3432.

HSA Advantages
A quick guide to the advantages of a MESSA ABC plan and HealthEquity HSA, and how they help MESSA members.

Medicare & HSA Eligibility
HSA Eligibility and Opt-Out
The Complete HSA Guidebook
Health Savings Account – Can I have one and how can I use it?
Quick Tips for MESSA ABC members – Plan 1
Quick Tips for MESSA ABC members – Plan 2
Quick Tips for MESSA ABC members – Plan 3

MESSA ABC health plans include coverage for Free Preventive Prescriptions

FREE PREVENTIVE DRUG LIST

PRESCRIPTION DRUG PLAN INFORMATION

MESSA ABC PRESCRIPTION PLANS

MESSA CHOICES PRESCRIPTION PLANS

COMPARE PLANS & ESTIMATE OUT OF POCKET COSTS

PLAN COMPARISON TOOL

DENTAL COVERAGE – DELTA DENTAL

Since 1968, MESSA has offered dental coverage to supplement its health plans. Because good dental care is an essential component to a person’s overall health, MESSA dental plans fill an important need for Michigan school employees. MESSA’s dental plans are underwritten and administered by Delta Dental of Michigan, a non-profit dental care corporation known for its high quality dental programs.

Delta Dental contracts with dentists throughout Michigan to provide high quality care at a reasonable cost. More than 90 percent of Michigan dentists participate with Delta Dental. When you seek services from a dentist who participates with Delta Dental, the dentist will bill Delta Dental directly and your out-of-pocket costs will be limited to the deductible and co-payment for covered charges as specified in your plan. If you choose to see a non-participating dentist, you may have higher out-of-pocket costs and the dentist may not bill Delta Dental directly. For specific details on your benefits, please refer to your Delta Dental plan coverage booklet or access your Delta Dental Subscriber Page.

DENTAL PLAN HIGHLIGHTS

LIFE AND DISABILITY BENEFITS

MESSA Gives You Options

Protect your family's financial future.

Take time now to re-evaluate your family's financial protection needs.

The following is a brief summary* of the MESSA variable options, along with monthly contribution rates for each plan.

MESSA Gives You Options

COMMONLY ASKED QUESTIONS ABOUT DISABILITY BENEFITS

MESSA Group Negotiated Long Term Disability (LTD)
MESSA Optional Long Term Disability (LTD)
MESSA Optional Short Term Disability (STD)

MESSA MEMBER FORMS

As a service to our members, we have made many of our most frequently requested forms available here for easy download.

These forms are in Adobe portable document format (PDF). In order to view and print these documents, you will need to have Adobe Acrobat Reader installed on your computer. Log in to MyMESSA® for access to all member forms and specific information about your coverage including, deductible progress, benefits, claims and account management.

A standardized Health Insurance Claim Form can be completed and mailed with provider receipt(s) for benefit reimbursements.

This form should be completed by the member and mailed with provider receipt(s) for benefit reimbursements.

This form should be completed by the member and mailed with the Rx order form to Express Scripts for home delivery pharmacy service.

This form should be used when you are being referred for services to a non-PPO physician, hospital or laboratory.

This form should be completed by your physician and mailed to the MESSA Member Services Department for authorization prior to services being performed.

This form should be used to apply for transitional care for ongoing treatment with a non-network provider.

This form must be completed by your employer when you apply for STD or LTD income benefits.

This form must be completed to apply for STD or LTD income benefits.

This form must be completed by your physician or psychologist when applying for mental health disability benefits.

This form must be completed to apply for LTD income benefits.

This form must be completed to authorize electronic fund transfer for disability benefits.

This form should be completed by the member to change beneficiary designation for MESSA life insurance. Complete the Non-Negotiated Life Insurance section of the form if you have Basic Term Life or Supplemental Term Life. Complete the Negotiated Life Insurance section if you have PAK Life or Negotiated Life insurance. If you have both Non-Negotiated and Negotiated Life Insurance, please complete both sections of the form. Please fill out completely, sign and return to MESSA Group Services.

This application is used to enroll in MESSA benefits. Please fill out completely, sign and return to your employer.

This application is used to enroll in MESSA ABC benefits. Please fill out completely, sign and return to your employer.

This form should be used by the MESSA member to add or delete dependents, change address, and/or to delete options. Please fill out completely, sign and return to your employer.

This notice describes how medical information about you may be used and disclosed by entities covered under the HIPAA privacy rules.

Members should use this form to provide MESSA with written authorization to use, discuss or disclose their PHI with a third party.

Similar to the written authorization form, this form is required for specific authorization to use or disclose psychotherapy notes to MESSA or from MESSA.

Members should use this form to request a summary of disclosures (with a six year maximum) by MESSA of their PHI.

This form is for members to request an amendment to the PHI MESSA maintains.

This form is for members to request a review of the records MESSA maintains containing their PHI.

Members may request that MESSA further restrict the disclosure of their PHI beyond what is authorized by the HIPAA law, but MESSA is not compelled to agree. This form is used to submit the request to MESSA.

A form for members or dependents to use to request alternative confidential communication.

This form is for members to revoke a previously submitted authorization form.

Members can use this form to submit a complaint or request an investigation about a suspected HIPAA (PHI) disclosure.