Affiliated Office Professionals

Please refer to your contract to determine which benefits are available to you.

Health Benefits

MESSA ABC Plan 1 Coverage Guide

  • Benefit year is January 1 - December 31.
  • Annual deductible is $1,300 for Single Coverage and $2,600 for 2 Person and Full Family Coverage.
  • MESSA ABC Rx Prescription Drug Coverage
    • After the applicable deductible is met, copayments are:
      • $2 for generic maintenance medications for specific chronic conditions and diseases.
      • $10 for all of other generic medications.
      • $20 for specific brand name maintenance drugs used to treat diabetes and asthma.
      • $40 for brand name drugs when no generic product exists.
      • Please refer to your Plan Coverage Guide for full details, limits and exclusions.
  • Health plan includes a $5,000 Basic Term Life insurance policy.  

MESSA Choices Coverage Guide

  • Benefit year is January 1 - December 31.
  • Annual deductible is $100 for Single Coverage and $200 for 2 Person and Full Family Coverage.
  • Copays
    • $10 Office Visit
    • $25 Urgent Care
    • $50 Emergency Room
  • MESSA Saver Rx Prescription Drug Coverage
    • $2 for generic drugs used to treat specific chronic conditions.
    • $10 for all other generic drugs.
    • $20 for specific brand name drugs used to treat diabetes and asthma.
    • $40 for all other brand name drugs where no generic is available.  
    • Please refer to your Plan Coverage Guide for full details, limits and exclusions.  
  • Health plan includes a $5,000 Basic Term Life insurance policy.  

Dental Benefits

MESSA Dental Plan 100/50/50/50

  • Class I Diagnostic & Preventative Services 100%
  • Class II Basic Services 50%
  • Class III Major Services 50%
  • Class IV Orthodontics 50% (for staff working 25+ hours per week hired before July 1, 2008)
    • The annual maximum for Class I, II & III is $1,000.
    • The lifetime maximum for Class IV is $500.
  • Refer to MESSA document for information as to what class each dental service belongs.

Vision Benefits

VSP 2

  • Benefit year is March 1 - February 28 each year.
  • You can maximize your benefit by utilizing a MESSA VSP panel provider.

Life Insurance

$20,000 Term Life Insurance and $20,000 AD&D policy.

Optional Benefits

Short Term Disability, Long Term Disability, Supplemental Term Life Insurance, Dependent Life Insurance and Survivor Income Insurance is available through MESSA.  Enrollment is available during the first 30 days of employment or annually during the Open Enrollment process.  These additional benefits are paid for by the employee.