Teachers

The benefits available to Teachers are set up in a PAK.  Teachers may choose to enroll in PAK A, B or C during the first 30 days of employment or during the open enrollment period, which runs October 1 - 31.  

PAK A

Includes health, dental, vision, life and long term disability insurance.  

Health

MESSA ABC Plan 1 Coverage Guide

  • Annual Deductible is $1,300 for Single Coverage and $2,600 for 2 Person and Full Family Coverage.
  • Benefit year is January 1 - December 31.
  • MESSA ABC Rx Prescription Drug Coverage
    • After the applicable deductible is met, copayments are:
      • $2 for specific preventative medications used to treat chronic conditions.
      • $10 for all other generic drugs.
      • $20 for specific brand-name maintenance drugs prescribed to treat diabetes and asthma.
      • $40 for all other brand name drugs, including those where no generic is available. 
    • Health plan includes a $5,000 Basic Term Life insurance policy.  

Dental

MESSA Dental Plan 80/80S/80/80

  • Class I Diagnostic & Preventative Services 80%
  • Class II Basic Services 80%
  • Class III Major Services 80%
  • Class IV Orthodontics 80%
    • The annual maximum for Class I, II & III is $2,000.
    • The lifetime maximum for Class IV is $3,000.
  • Refer to MESSA document for information as to what class each dental service belongs.  

Vision

VSP 3 Gold

  • Plan year runs July 1 to June 30 each year.  
  • You can maximize your benefit by utilizing a MESSA VSP panel provider.  

Long Term Disability

LTD Coverage Guide

MESSA LTD Frequently Asked Questions

  • Benefit is 60% of contract after a 90 calendar day waiting period.

  • Maximum Benefit: $5,000.

Life Insurance

$40,000 Term Life Insurance and $40,000 AD&D policy.

PAK B

Includes dental, vision, life and long term disability insurance and a monthly cash in lieu of health benefits payment.  

Dental

MESSA Dental Plan 80/80S/80/80

  • Class I Diagnostic & Preventative Services 80%
  • Class II Basic Services 80%
  • Class III Major Services 80%
  • Class IV Orthodontics 80%
    • The annual maximum for Class I, II & III is $2,000.
    • The lifetime maximum for Class IV is $3,000.
  • Refer to MESSA document for information as to what class each dental service belongs.  

Vision

VSP 3 Gold

  • Plan year runs July 1 to June 30 each year.  
  • You can maximize your benefit by utilizing a MESSA VSP panel provider.  

Long Term Disability

LTD Coverage Guide

MESSA LTD Frequently Asked Questions

  • Benefit is 60% of contract after a 90 calendar day waiting period.
  • Maximum Benefit: $5,000.

Life Insurance

$40,000 Term Life Insurance and $40,000 AD&D policy.

PAK C

Includes health, dental, vision, life and long term disability insurance.  

Health

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
    • $5 Office Visits
    • $10 Urgent Care
    • $25 Emergency Room
  • MESSA Saver Rx Prescription 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.  
  • Health plan includes a $5,000 Basic Term Life insurance policy.  

Dental

MESSA Dental Plan 80/80S/80/80

  • Class I Diagnostic & Preventative Services 80%
  • Class II Basic Services 80%
  • Class III Major Services 80%
  • Class IV Orthodontics 80%
    • The annual maximum for Class I, II & III is $2,000.
    • The lifetime maximum for Class IV is $3,000.
  • Refer to MESSA document for information as to what class each dental service belongs.  

Vision

VSP 3 Gold

  • Plan year runs July 1 to June 30 each year.  
  • You can maximize your benefit by utilizing a MESSA VSP panel provider.  

Long Term Disability

LTD Coverage Guide

MESSA LTD Frequently Asked Questions

  • Benefit is 60% of contract after a 90 calendar day waiting period.
  • Maximum Benefit: $5,000.

Life Insurance

$40,000 Term Life Insurance and $40,000 AD&D policy.

 

Optional Benefits 

Optional Benefits are available to PAK A, B and C employees.  

Short 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.