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.
Full Answer
Does Messa pay the provider or enrollee?
If written authorization is attached to the itemized statement, MESSA will pay the provider; otherwise, payment will be sent to you. The check will be in the enrollee’s name, not the patient’s name.
Does Messa cover medical supplies?
Medical supplies must be purchased from a payable durable medical equipment (DME) provider. Contact MESSA Member Services at 800.336.0013 or TTY 888.445.5614 to inquire whether coverage is available for your medical supplies. Medical supplies 36 What youpay for covered services There is currently no network; in-network (IN) benefits apply
Why choose Messa insurance?
With most insurance companies, when they say they will pay for something, it’s the most they will do. With MESSA, they’ll go the extra mile.” “My local MESSA field representative went above and beyond to get us what we needed.
How does Medicare work with other insurance?
How Medicare works with other insurance. If you have Medicare and other health insurance or coverage, each type of coverage is called a "payer.". When there's more than one payer, " Coordination of benefits " rules decide which one pays first. The "primary payer" pays what it owes on your bills first, and then sends the rest to...
What is MESSA ABC plan 1?
MESSA ABC covers preventive care services for free when you use in-network providers: there's no deductible charge or copayment, ever. Free preventive services include annual physicals, cancer screenings, well-baby visits, flu shots, and child and adult immunizations.
Does Messa cover birth control?
MESSA ABC includes free coverage of hundreds of preventive prescriptions, including contraceptives, prenatal vitamins, weight loss drugs, and medications to treat high cholesterol, high blood pressure and alcohol dependence, smoking cessation and more.
Does Messa cover Weight Watchers?
MESSA offers a free program to help you not only achieve your goals, but also sustain them. Qualifying MESSA members and their adult dependents have access to a free diabetes-prevention and weight-loss program through Omada Health. So far, MESSA members who use Omada have lost a combined total of nearly 30,000 pounds.
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What is the phone number for MESSA?
If you have questions about the medical plan, call MESSA’s award-winning Member Service Center at 800.336.0013.
What is a mesa abc?
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.
What is an HSA account?
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.
Who is Melissa K.?
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.
Does MESSA cover medical expenses?
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.
Does Messa have a medical plan?
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.
Can you choose an accident plan with MESSA?
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.
What is the number to call for MESSA?
If you prefer to talk with a real person about your specific coverage, call the MESSA Member Service Center at 800.336.0013 or TTY 888.445.5614. Your employer’s business office can also provide the plan information.
How long does it take to get MESSA pre-admission?
If you or a covered dependent require hospitalization, you must contact MESSA Pre-Admission Review at 800.336.0022, prompt 7 or TTY 888.445.5614, within 48 hours of admission, or within 72 hours if admission occurs on a weekend.
What is an HLA match?
An HLA identical match occurs when the six clinically important markers of the donor are identical to those of the patient. Home health care agency. An organization that is primarily engaged in providing skilled nursing services and other therapeutic services in the patient’s home. Hospice.
How does Medicare work with other insurance?
When there's more than one payer, "coordination of benefits" rules decide which one pays first. The "primary payer" pays what it owes on your bills first, and then sends the rest to the "secondary payer" (supplemental payer) ...
What is the phone number for Medicare?
It may include the rules about who pays first. You can also call the Benefits Coordination & Recovery Center (BCRC) at 1-855-798-2627 (TTY: 1-855-797-2627).
How long does it take for Medicare to pay a claim?
If the insurance company doesn't pay the claim promptly (usually within 120 days), your doctor or other provider may bill Medicare. Medicare may make a conditional payment to pay the bill, and then later recover any payments the primary payer should have made. If Medicare makes a. conditional payment.
How many employees does a spouse have to have to be on Medicare?
Your spouse’s employer must have 20 or more employees, unless the employer has less than 20 employees, but is part of a multi-employer plan or multiple employer plan. If the group health plan didn’t pay all of your bill, the doctor or health care provider should send the bill to Medicare for secondary payment.
When does Medicare pay for COBRA?
When you’re eligible for or entitled to Medicare due to End-Stage Renal Disease (ESRD), during a coordination period of up to 30 months, COBRA pays first. Medicare pays second, to the extent COBRA coverage overlaps the first 30 months of Medicare eligibility or entitlement based on ESRD.
What happens when there is more than one payer?
When there's more than one payer, "coordination of benefits" rules decide which one pays first. The "primary payer" pays what it owes on your bills first, and then sends the rest to the "secondary payer" (supplemental payer) to pay. In some rare cases, there may also be a third payer.
What is a health care provider?
Tell your doctor and other. health care provider. A person or organization that's licensed to give health care. Doctors, nurses, and hospitals are examples of health care providers. about any changes in your insurance or coverage when you get care.
What is Medicare Advantage?
You buy Medicare Advantage plans from private health insurance companies that contract with the government. They work with Original Medicare coverage. Part D covers prescription drugs. Many Medicare Advantage plans combine Parts A, B and D in one plan. And each Medicare plan only covers one person.
Why are Medicare Advantage plans so popular?
Medicare Advantage plans are popular because of their convenience. Most plans combine medical and prescription coverage on one card. Some offer dental and vision coverage, too. And you're able to predict your out-of-pocket costs better than you can with Original Medicare.
How much does Medicare pay for coinsurance?
When you have Original Medicare, you pay 20 percent of the cost, or 20 percent coinsurance, for most medical services covered under Part B. Medicare Advantage plans use copays more than coinsurance. Which means you pay a fixed cost. You might have a $15 copay for doctor office visits, for example.
What is Medicare Part D coverage?
Medicare Part D prescription coverage has something called the coverage gap , or donut hole. The coverage gap is a stage in which you pay much more out of pocket for your prescription drugs. It's not based on a time period.
What is the difference between Medicare Supplement and Medicare Advantage?
Medicare supplement, or Medigap, plans are another option. In a way, Medicare Advantage replaces Original Medicare and connects all the pieces together on one plan. Supplement plans don't replace Original Medicare. It's more like an extra you can add on top of Original Medicare.
Does Medicare have a cap?
That means once you spend a certain amount of money on health care each year, your plan pays 100 percent of the cost of services it covers. Original Medicare doesn't have this cap. So if you get really sick, you'll end up paying a lot.
Do Medicare supplement plans come with dental?
And supplement plans don't come with the extra benefits you often get with Medicare Advantage, like dental and vision coverage. The triangles to the right show how supplement plans sit on top of Medicare Parts A, B and D. You can get complete coverage, but you still have to coordinate all those pieces on your own.