MESSA supplemental plans
New plans provide cash for covered injuries, illnesses or hospitalizations
MESSA’s new supplemental plans can complement your MESSA medical coverage by providing you with cash in the event of a covered incident. You have the choice of an accident, critical illness or hospital indemnity plan — or you can bundle all three for the ultimate protection.
How it complements your MESSA medical plan
Medical plans don’t always cover 100% of costs, and medical benefits don’t cover personal expenses that often arise due to health issues.
Developed in partnership with Aetna, MESSA’s new supplemental plans pay cash benefits directly to you, providing extra money when you need it most. You can use the cash for deductibles, copayments, house payments, groceries, bills or anything else.
An example of how it works
Melissa K. is a language arts teacher in west Michigan. One day, while out on her daily run, she tripped over a fallen branch and wiped out, breaking her leg in the process. The bills added up between the ER visit, surgery, numerous doctors’ appointments and physical therapy.
Thankfully, in addition to her MESSA medical plan, she has a MESSA accident plan. After filing an easy claim via her MyMESSA member account, she received a check that she used to pay her remaining deductible, copayments and other bills — even her car payment.
| Covered care | Cash benefit |
|---|---|
| Initial treatment – ER | $150 |
| X-Ray | $50 |
| Broken leg (open reduction) | $2,250 |
| Appliances (crutches) | $100 |
| Follow-up care visit | $50 |
| Physical therapy (six visits) | $150 |
| Total paid to Melissa | $2,750 |
*The above member story is for illustrative purposes and does not reflect events experienced by actual participants.
How to get the new supplemental benefits
There are two ways to get MESSA’s new supplemental benefits:
- Negotiated supplemental benefits: Your bargaining unit can negotiate with your employer to provide all employees in your group with an employer-paid bundle consisting of accident, critical illness and hospital indemnity coverage. This can be a particularly attractive option for groups with higher-deductible medical plans.
- Optional supplemental benefits: If your employer provides MESSA’s optional benefits, you can choose from an accident plan, a critical illness plan, a hospital indemnity plan or a bundle of all three, and pay via payroll deduction.
To learn more, call your MESSA field representative at 800-292-4910.
Plan overview documents
MESSA supplemental plan coverage booklet
Negotiated supplemental benefits bundle overview
Optional Accident Plan overview
Optional Accident Plan Plus overview
Optional Critical Illness Plan ($10k) overview
Optional Critical Illness Plan ($20k) overview
Optional Hospital Indemnity Plan overview
Optional Hospital Indemnity Plan Plus overview
Optional supplemental benefits bundle overview
MESSA supplemental plans claims forms
Accident Claim Form for MESSA supplemental plan
Hospital Claim Form for MESSA supplemental plan
Critical Illness Claim Form for MESSA supplemental plan