MESSA ABC Rx Coverage
MESSA ABC is an exceptional, high-quality health plan that costs less – 10% to 25% less – and gives members the same great
financial security, peace of mind and personalized service that are at the heart of every MESSA plan. We’ve taken great care to build
extra features into MESSA ABC Rx coverage that support our members’ good health and give them a strong financial safety net.
MESSA ABC Prescription Drug Coverage Gives You Extra Protection and Financial Security
MESSA ABC includes comprehensive prescription drug coverage that protects your pocketbook and your health. Federal
law requires that the cost of prescription drugs is subject to the plan deductible for all HSA-qualified plans such as
MESSA ABC. That means that patients must pay the ful cost of a prescription until the plan deductible is met. However,
MESSA designed our MESSA ABC plans with four special benefits features that help you minimize your costs and stretch
the value of your health care dollars. Please note: compounded medications and other drugs that are not FDA-approved
Special Benefits that Protect Your Good Health and Help You Stretch Your Paycheck
• MESSA ABC covers more than 670 free preventive prescriptions that are covered at no cost to you. Drugs on this
list have no copayments and are not subject to deductible charges, ever. Free prescription medications include
contraceptives, prenatal vitamins, weight loss, cholesterol and blood pressure. For a complete list of free
preventive prescriptions, visit the MESSA ABC area at
• MESSA’s contract with our primary underwriter, Blue Cross Blue Shield of Michigan, ensures that your cost for a
prescription is capped at the same amount the Blues’ has negotiated with the pharmacy. This saves you
significant money over regular retail prices when you’re paying for a prescription that is subject to the
• After your MESSA ABC plan deductible is met for the calendar year, your prescription drug costs are limited to
the MESSA ABC prescription drug copayment schedule, which includes $2 generics for specific chronic
conditions, special $10 prices on certain Over-The-Counter (OTC) drugs, lower copayments ($20 instead of $40)
for specific brand name maintenance drugs prescribed to treat asthma and diabetes, and reduced copayments
for 90-day retail and mail order prescriptions. For additional details see the back side of this flyer.
• After you meet your plan deductible for the calendar year, MESSA ABC Plans 1, 2 and 3 give you a high level of
financial certainty because all three plans cap your additional In-network out-of-pocket costs at $1000 for Single
coverage and $2000 for 2-Person and Family coverage.
Questions about Your MESSA ABC Prescription Drug Coverage?
For complete information about your MESSA ABC prescription drug coverage, refer to your MESSA ABC Plan Coverage
Booklet available in the MESSA ABC area ator call MESSA’s Member Service Center at
MESSA ABC Prescription Drug Coverage: Additional Details
1. Most Michigan retail pharmacies are In-network with your MESSA ABC plan.
2. As required by federal law, non-preventive prescriptions are subject to the plan deductible. Member costs for each
prescription are limited to the charge that Blue Cross Blue Shield of Michigan has negotiated with the pharmacy.
3. MESSA ABC covers more than 640 free preventive prescriptions at no charge to the member. There is no copayment or
deductible charge. For a complete list, visit the MESSA ABC area at
4. Once the In-Network plan deductible is met, member costs are limited to the fol owing schedule of copayments for each
covered drug or refil when obtained from a network pharmacy:
• $2 for generic drugs in certain therapeutic classes used to treat specific chronic conditions (asthma, coronary artery
disease, diabetes, high blood pressure and high cholesterol).
• $10 for specific, Over-The-Counter medications for the treatment of seasonal al ergies and heartburn (requires written
prescription). Covered medications include Allegra®, Allegra D®, Claritin®, Claritin D®, Zyrtec®, Zyrtec D®, Prevacid®,
• $20 (instead of $40) for specific brand name maintenance drugs used to treat diabetes and asthma, including insulin,
glucagon emergency kits, fast- and long-acting inhalers, and Leukotriene Modifiers (such as Singulair®).
• $40 for al other brand name drugs, including single-source drugs where no generic is available. Members wil face
additional cost if they insist on a brand-name drug when a less expensive generic is available and medical y
appropriate. The additional costs do not apply to your annual deductible or out-of-pocket maximum.
• Compounded medications and other drugs that are not FDA-approved are not a covered benefit.
5. After the In-network deductible is met for the calendar year, MESSA ABC Plans 1, 2 and 3 give you a high level of financial
certainty because al three plans cap your additional In-network out-of-pocket costs for the rest of the calendar year at
$1000 for Single coverage plans and $2000 for 2-Person and Family coverage plans. This cap means that after your
deductible is met in MESSA ABC Plans 1 and 2, your In-network medical services are ful y covered at 100% and the only
costs you have are the prescription drug copayments described above. MESSA ABC Plan 3 includes 10% coinsurance on In-
network medical services in addition to the prescription drug copayments.
6. With al three plans, if you reach the In-network out-of-pocket cap, your In-network prescriptions and medical services are
fully covered at 100% by your MESSA ABC health plan for the remainder of the calendar year.
1. Most Michigan retail pharmacies are In-network with MESSA ABC. If at al possible, use In-network pharmacies to limit your
out-of-pocket costs. When you travel out-of-state, ask if the pharmacy is considered In-network with Blue Cross Blue Shield
2. Prescription drug purchases from an Out-of-network pharmacy are subject to the MESSA ABC Out-of-network deductible.
3. MESSA’s free preventive prescription benefit is not available when using an Out-of-network pharmacy.
4. If you purchase a prescription from an Out-of-network pharmacy, you must pay the pharmacy and submit a claim form and
proof-of-purchase to MESSA. Once your applicable Out-of-network deductible has been met, MESSA wil reimburse you for
75% of the approved amount for the drug (100% for emergency pharmacy services) minus your copayment (if any).
For additional Information about your MESSA ABC prescription drug coverage, refer to your plan coverage
booklet ator cal MESSA’s Member Service Center at 800.336.0013.
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