Reminder: Your MESSA deductible resets Jan. 1

MESSA deductibles will reset on Jan. 1 and run the calendar year through Dec. 31.

Health plan deductibles are similar to the deductibles on your auto and homeowner’s insurance. It’s a fixed amount you must pay before MESSA begins to pay your claims.

For MESSA Choices members: You’ll pay the cost of medical services, except most in-network preventive care, until you’ve met your deductible. Deductible expenses incurred in October, November and December of this year will count toward your 2022 deductible.

For MESSA ABC members: You’ll pay the full cost of most in-network services and prescription drug purchases until you meet your deductible, except for certain preventive care and preventive prescriptions that are free. If you have two-person or family coverage, you must pay the entire family deductible before claims are paid for any individuals, as required by federal law for a health savings account-qualified plan. There is no fourth-quarter carryover of your deductible.

For Essentials by MESSA members: As with MESSA Choices, you’ll pay for most medical services until you meet your deductible. After that, you’ll pay coinsurance or copayments for most non-preventive medical services. There is no fourth-quarter carryover of your deductible.

If you have any questions, call us at 800-336-0013 or live chat with a member service specialist through your MyMESSA member account.