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2019 MSA MemberBenefit GuideFor U.S. Members
You Spoke, We Listened!At MSA, our mission has always been to bring all sides of the industry together to share knowledge, experience and wisdom.
Our objective is to continuously improve the image of the service industry by enhancing the profitability and wellness of its members.
We are so excited to announce that we have taken another step forward in achieving this goal.
Our MSA membership now has more benefits than ever!
Membership Benefit Categories
1. MSA Training Resources 2. Business & Marketing Solutions 3. Parts & Tools Partnerships 4. Health & Wellness Programs5. Individual & Group Insurance Benefits
Appendix A: HealthiestYou Appendix B: Humana Dental & Vision
2019 MSA Membership Annual Fee: • $199 for MSA • $299 for MSA Pro
MSA Training Resources• 10 MSA Website Profiles Included (Only available to MSA Members and $49
per additional profile)
• Unlimited Online Access to live Training Webinars hosted twice per month by our MSA Certified Trainer ($24.99 per live webinar for non-MSA members)
• Archived Training Videos, Product Manual Library / Tech Sheets and our MSA Ask-a-Trainer Service (only available to MSA members)
• Access to Year-Round, Nationwide Hands-On Technical Training by our MSA Certified Trainer (One Free Attendee per Class for MSA Pro Membership & $29 per Attendee for MSA Base membership / $129 for Non-MSA)
Business & Marketing Solutions• ServiceWorks is a state-of-the-art, simplified and complete solution for your
dispatch, inventory, point of sale, accounting, and real time tracking ($19.95 per month per login) • MSA Pro: 20% discount, MSA Base: 10% discount • Features include: Real-Time tracking of technician’s position with no additional hardware needed, QuickBooks integration, Cloud based with no installation needed, Zero setup costs, Route optimization using google maps
• Flat Rate Labor Guide included with your MSA Membership ($49.99 for Non-MSA Members)
• TASC (Total Administrative Services Corporation) provides payroll and other administrative & compliance services to small businesses: 15% Discount On All Services Provided!
• BrightDime (Included with MSA Pro membership only): BrightDime is a digital financial wellness solution designed to create real results, and enhance financial well-being for everyone.
Parts & Tools Partnerships
• Access to a discounted suite of MA-Line tools!
• Access to other MSA-Member parts specials!
Health & Wellness Programs• HealthiestYou Membership (including spouse and dependents): HealthiestYou
is technology that connects you to a doctor 24/7/365 to diagnose, treat and prescribe discounted medication, when medically necessary, over the phone or via the mobile app. YOU AND YOUR DEPENDENTS CAN SPEAK WITH A DOCTOR... FOR FREE, ZERO COST, ZERO COPAY AT ANYTIME • Consultations are virtual by telephone or video conference. You can find providers in your area, price prescriptions, shop procedures and more... all from the comfort of your couch! NO WAITING ROOM EVER AGAIN • Additional HealthiestYou Memberships Available for Your Employees: (MSA Pro Members Only: $99 per Employee)
• Clever Rx Membership (Including spouse, dependents and employees): Clever Rx allows access to cost effective (up to 80% off!) prescriptions for both daily and urgent needs at almost every U.S. pharmacy • Free membership for you and those you care about most to ensure you and your loved ones never go through the cold & flu season without proper care again!
Simply download the Clever Rx mobile-app, enter the MSA /Clever Rx login information detailed below, and enjoy prescription savings at a pharmacy near you. Clever Rx MSA group ID: 3001 Clever Rx MSA member ID: 1001
Individual & Group Insurance Benefits(MSA Pro Members Only)
• MSA has proudly partnered with Humana to bring its members world-class dental and vision benefits. For more information regarding these Humana benefits, please see Appendix B. MSA Pro members may enroll today by emailing [email protected].
• For companies with 5 or more employees, MSA’s insurance partner, Kuhlmann Financial, will shop out your company’s health insurance benefits for no charge. Kuhlmann Financial is a leader in its industry with over 30 years’ experience. Kuhlmann Financial has a track record of driving value by lowering health insurance cost, while increasing the quality of health insurance benefits.
[email protected] (866) 807–1106
Appendix A: HealthiestYou
With HealthiestYou you can connect with a doctor who can diagnose,
treat, and prescribe over the phone 24/7/365. Using HealthiestYou can SAVE
YOU TONS OF MONEY and no more time wasted in waiting rooms or trying to
schedule an appointment.
Our doctors are licensed and can handle an array of common ailments including
allergies, earache, sore throat, pink eye, strep throat, urinary tract infection,
and many more! HealthiestYou is great for families because your spouse and
dependants can use it too and there is no limit on the number of times called or
the duration of each call.
24x7 Unlimited doctor access
Access by app or telephone
Spouse and dependant use
Find a nearby doctor, pharmacy,
urgent care, ER, or even a vet
Price and save on prescriptions
Price procedures
Search and compare doctors
Friendly reminders to save
866.703.1259
No Smartphone or Internet? No Problem! Simply call
Talk to a doctorTalk to a licensed, board-certified doctor to get a diagnosis and a treatment plan.
Feel Better SoonWe hope you feel better quickly, but if not, call and talk to the doctor again. There is no limit to visits.
Get a prescriptionIf medically necessary, a prescription may be provided and electronically sent to a pharmacy of your choice.
DOWNLOAD THE APP!
Your healthcare just got a whole lot easier!
ALLERGIESER: $345
UC: $97
HY: $0 (FREE)
BRONCHITISER: $795
UC: $123
HY: $0 (FREE)
SINUSITISER: $617
UC: $105
HY: $0 (FREE)
EARACHEER: $400
UC: $110
HY: $0 (FREE)
URINARY TRACT INFECTIONSER: $940
UC: $108
HY: $0 (FREE)
Connect with a Doctor 24x7 to Diagnose, Treat & Prescribe FOR FREE!
TOP 5 REASONS WE VISIT THE ER OR URGENT CARE
And don’t forget to
DOWNLOAD THE APP!
HEALTHIESTYOU IS NOT HEALTH INSURANCE AND WE ENCOURAGE ALL MEMBERS TO MAINTAIN ADEQUATE INSURANCE FROM A RESPONSIBLE PROVIDER. HEALTHIESTYOU IS DESIGNED TO COMPLEMENT, AND NOT REPLACE THE CARE YOU RECEIVE FROM YOUR PRIMARY CARE PHYSICIAN.
HEALTHIESTYOU PHYSICIANS ARE AN INDEPENDENT NETWORK OF DOCTORS WHO ADVISE, DIAGNOSE, AND PRESCRIBE AT THEIR OWN DISCRETION. PHYSICIANS PROVIDE CROSS COVERAGE AND OPERATE SUBJECT TO STATE REGULATIONS. PHYSICIANS IN THE INDEPENDENT NETWORK DO NOT
PRESCRIBE DEA CONTROLLED SUBSTANCES, NON-THERAPEUTIC DRUGS AND CERTAIN OTHER DRUGS WHICH MAY BE HARMFUL BECAUSE OF THEIR POTENTIAL FOR ABUSE. HEALTHIESTYOU DOES NOT GUARANTEE THAT A PRESCRIPTION WILL BE WRITTEN.
www.healthiestyou.com | customer service 855-894-9627 | designed with love in scottsdale, az
1. ACUTE UPPER RESPIRATORY INFECTIONS OF UNSPECIFIED SITE
2. ACUTE SINUSITIS UNSPECIFIED
3. ACUTE PHARYNGITIS
4. URINARY TRACT INFECTION
5. ACUTE BRONCHITIS
6. ACUTE CONJUNCTIVITIS UNSPECIFIED
7. UNSPECIFIED OTITIS MEDIA
8. STREPTOCOCCAL SORE THROAT
9. ALLERGIC RHINITIS CAUSE UNSPECIFIED
10. COUGH
11. INFECTIVE OTITIS EXTERNA UNSPECIFIED
12. ACUTE NASOPHARYNGITIS (COMMON COLD)
13. OTALGIA UNSPECIFIED
14. OTHER ACUTE PAIN
15. CONTACT DERMATITIS, NOS
16. RASH AND OTHER NONSPECIFIC SKIN ERUPTION
17. VAGINITIS AND VULVOVAGINITIS UNSPECIFIED
18. CANDIDIASIS OF VULVA AND VAGINA
19. ABDOMINAL PAIN UNSPECIFIED SITE
20. CELLULITIS AND ABSCESS OF UNSPECIFIED SITES
21. ACUTE CYSTITIS
22. HERPES SIMPLEX WITHOUT COMPLICATION
23. FEVER UNSPECIFIED
24. ACUTE TONSILLITIS
25. PAIN, LOW BACK
26. UNSPECIFIED DENTAL CARIES
27. UNSPECIFIED VIRAL INFECTION
28. INFECTIOUS COLITIS ENTERITIS AND GASTROENTERITIS
29. CONJUNCTIVITIS, VIRAL NOS
30. INFLUENZA WITH OTHER RESPIRATORY MANIFESTATIONS
31. OTHER ACUTE OTITIS EXTERNA
32. ACUTE GOUTY ARTHROPATHY
33. EXERCISE-INDUCED BRONCHOSPASM
34. UNSPECIFIED CONSTIPATION
35. NAUSEA WITH VOMITING
36. CROUP
37. UNSPECIFIED ESSENTIAL HYPERTENSION
38. DEHYDRATION
39. CONJUNCTIVITIS, MUCOPURULENT
40. ALLERGIC URTICARIA
41. TOBACCO USE DISORDER
42. DIARRHEA OF PRESUMED INFECTIOUS ORIGIN
43. INSECT BITE NONVENOMOUS OF TRUNK WITHOUT INFECTION
44. CONTACT DERMATITIS AND OTHER ECZEMA DUE TO OTHER SPECIFIED AGENTS
45. SCABIES
46. ACUTE SWIMMERS’ EAR
47. DIARRHEA, NOS
48. MYALGIA AND MYOSITIS UNSPECIFIED
49. HERPES ZOSTER WITHOUT COMPLICATION
50. EXTERNAL HEMORRHOIDS WITHOUT COMPLICATION
TOP 50 HY DIAGNOSES
And don’t forget to
DOWNLOAD THE APP!
PRESCRIPTION SAVINGSNeed a prescription? Our geo-based prescription search engine can save you up to 85% on your prescription and will often beat your co-pay.
SHOP & PRICE PROCEDURESDo you need an MRI or an Ultrasound? Our app puts you in the driver’s seat by providing a vehicle to search and price procedures in your direct area. Happy shopping!
24X7 UNLIMITED DOCTOR ACCESSAre you sick? Call HealthiestYou first! Our physician network can diagnose, treat, and prescribe with no consult fees, anytime, anywhere. Really!
LOCATE PROVIDERSNeed to search for a doctor, dentist, or other provider? Our app knows best and will easily lead you through the process. You can even research your doctor first!
SYNC YOUR MEDICAL BENEFITSOur app provides you a one stop shop to view your medical plan deductible in real time. Easily shop and book in-network and out- of-network providers for medical, dental, vision, and specialists.
HEALTH MANAGEMENT CONTENT Are you stressed? Let HealthiestYou guide you to improved health and happiness with relevant health content delivered at the time of need.
Your healthcare just got a whole lot easier!With HealthiestYou you can connect to a doctor, get treatment, and get
prescriptions, 24 hours a day, 7 days a week over the phone or via the
mobile app. Using HealthiestYou can SAVE YOU TONS OF MONEY and
no more sitting around in waiting rooms. And best of all, it’s FREE
Click Register Now to
get started
--Note, the app
registration is separate
from the online member
portal registration
If you have your insurance
card handy, select “I have
my Insurance info”. You
can enter your insurance
information later too.
- Accept the Terms &
Conditions”
- Click Create Account
Step 3: Setup the app
How to get started with HealthiestYou:
With HealthiestYou you can connect to a doctor, get treatment, and get
prescriptions, 24 hours a day, 7 days a week over the phone or via the
mobile app. Using HealthiestYou can SAVE YOU TONS OF MONEY and
no more sitting around in waiting rooms. And best of all, it’s FREE
Head on over to member.healthiestyou.com and register for the member portal. Here you’ll
have access to the same amazing tools as our app but from your computer.
Search and download “HealthiestYou” or “HY” in the app store
or Google Play! Available on your iPhone or Android device
Open up the app and push the button to connect with
a doctor. Shop and price drugs and procedures, sync
and keep track of your deductible to make sure you’re
minimizing out of pocket costs, and much more.
Step 2: Download the app
Step 4: Use HealthiestYou next time you’re sick
Step 1: Setup your member portal
Select and enter the
primary member’s
information:
- Last Name
- D.O.B.
- Zip Code
- Email address
- Password
- Phone #
No smartphone or internet? No problem, simply call to talk to a doctor
866.703.1259
Search and download
“HealthiestYou” or
“HY” in the app store or
Google Play! Available
on your iphone or
Android device
Enter the Primary
Member’s information:
- Last Name
- D.O.B.
- Zip Code
Enter your phone #
-- This will be the best #
to have a physician reach
you at.
Click Register Now to
get started
--Note, the app
registration is separate
from the online member
portal registration
Click your name
If you have your
insurance card handy,
select “I have my
Insurance info”. You can
enter your insurance
information later too.
- Accept the Terms &
Conditions”
- Click Create Account
Select Primary Member
Enter your information
- Your email address
- Select a password
- Retype your selected
password
Start!
- Talk to a doctor
- Locate a provider
- Price Procedures
- Compare RX Prices
- Find Recipes
Setting up Your HealthiestYou App!
HealthiestYou – Support – 480.779.4360 – [email protected]
Step 1 Step 2 Step 3
Step 4 Step 5 Step 6
Step 7 Step 8 Step 9
Appendix B: Humana Dental & Vision
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NEW dental and vision options.
Healthy employees are good for business. They’re more productive, miss fewer days of work and help you control healthcare costs.
Documents needed for a Dental and/or
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Offer valuable �e�t�l ��� ��s��� plan benefits at little or no cost to your budget
Region 1Region 2Region 3
BENEFITS IN OUT IN OUT BENEFITS IN OUTPreventive 100% 100% 100% 100% Preventive & Diagnostic 100% 100%2 Routine Oral Exams & Cleanings Per Year, Bitewing X-rays, Oral Cancer Screenings (ages 40 and older), Kids flouride treatment/sealants/space maintainers (through age 14)
2 Routine Oral Exams & Cleanings Per Year, Bitewing X-rays, Oral Cancer Screenings (ages 40 and older), Kids flouride treatment/sealants/space maintainers (through age 14)
Basic 90% 80% 80% 80% Basic (oral surgery) 50% 50%Emergency Care for Pain Relief, Amalgam (silver) and Composite (tooth colored) Fillings, Oral Surgery, Stainless Steel Crowns, Endodontics (Root Canals), Harmful Habit Appliances for Kids (through age 14)
Emergency Care for Pain Relief, Amalgam (silver) fillings, Composite (tooth colored) Fillings for antior (front) teeth only, Oral Surgery (routine extractions)
Major 60% 50% 50% 50% Major 0% 0%Crowns, Inlays/Onlays, Bridges, Dentures, Denture Relines/Rebases, Denture Repair and Adjustments, Implants, Periodontic (deep gum) cleanings (4 per year)
These services are not covered under this plan. Members may receive a discount on non-covered services and may contact their participating provider to determine if any discounts are available.
Orthodontics OrthodonticsThese services are not covered under this plan. Members may receive a discount on non-covered services of up to 20%. Please contact your provider to inquire.
These services are not covered under this plan. Members may receive a discount on non-covered services. Please contact your provider to inquire.
DEDUCTIBLE DEDUCTIBLEApplies to all services EXCEPT Preventive. Applies to all services EXCEPT Preventive.
Individual 50$ 50$ 50$ 50$ Individual 50$ 50$ Family 150$ 150$ 150$ 150$ Family 150$ 150$ MAXIMUMS MAXIMUMSCalendar Year Annual Max Calendar Year Annual MaxExtended Annual Max Extended Annual MaxThis benefit helps members save money by ensuring they have access to Network Discounts AND 30% Coinsurance, after reaching their annual max. This is available to all members day one and there is no cap!Out-of-Network Out-of-Network
COVERAGE LEVEL Region 1 Region 2 Region 3 Region 1 Region 2 Region 3 COVERAGE LEVEL Region 1 Region 2 Region 3Employee Only 34.19$ 40.22$ 52.59$ 30.01$ 35.30$ 45.89$ Employee Only 11.14$ 13.10$ 17.03$ Employee + Spouse 68.39$ 80.46$ 104.59$ 60.00$ 70.59$ 91.77$ Employee + Spouse 25.23$ 29.68$ 38.59$ Employee + Child(ren) 87.20$ 102.58$ 133.36$ 76.51$ 90.01$ 117.01$ Employee + Child(ren) 29.61$ 34.83$ 45.28$ Employee + Family 121.39$ 142.81$ 185.65$ 106.51$ 125.31$ 162.90$ Employee + Family 46.62$ 54.84$ 71.30$
Choose the Humana Vision Plan that best meets your needs. Vision rates are the same for ALL regions.
BENEFITS IN OUT IN OUTExam With Dialation $10 Up to $30 $10 Up to $30 -Retinal Imaging Up to $39 N/A Up to $39 N/AContact Lens Exam (standard) $0 Up to $30 Up to $55 N/A
Frame Allowance $160 $80 allowance $130 $65 allowance
Standard Plastic Lenses $10 Up to $25/$40/$60/$100 $15 Up to $25/$40/$60/$100 -Single/Bifocal/Trifocal/Lenticular
Standard Progressives $10 $15 Up to $40
Premium Progressives $45/$55/$70/$25 Up to $40 each $110/$120/$135/$90 N/A
-Tier 1/Tier 2/Tier 3/Tier 4 copay & 80% - $120 allow copay, 80% - $120 allow
Contact lenses $160 $128 allowance $130 $104 allowanceFrequencyExam/Lenses or Contacts/Frame 1x 12 months 1x 12 months 1x 12 months 1x 12 monthsDiabetic Eye Care Benefit Included Allowance Included Allowance
COVERAGE LEVELEmployee Only 12.46$ 8.31$ Employee + Spouse 24.92$ 16.61$ Employee + Child(ren) 26.07$ 18.18$ Employee + Family 39.61$ 27.20$ * These exhibits are for illustration purposes only. Please see Humana's benefit summaries for complete details.
- Premium Plan - -Enhanced Plan-
HUMANA VISION PLAN OPTIONS
MONTHLY RATES MONTHLY RATES
Vision Option (160) Vision Option (130)
MONTHLY RATES MONTHLY RATES MONTHLY RATES
- Premium Plan- -Value Plan--Enhanced Plan-
Identify your region (the state of the employers main location)
HUMANA DENTAL PLAN OPTIONS
AL, KS, KY, LA, MO, MS, NE, OH, OK, PA, TN & WVAR, AZ, CO, DC, DE, FL, GA, IA, IL, IN, MD, MI, MN, NC, NV, SC, TX, UT, VA & WIAK, CA, CT, HI, ID, MA, ME, MT, ND, NH, NJ, NM, NY, OR, RI, SD, VT, WA & WY
Dental & Vision Rating Regions
Choose the Humana Dental Plan that best meets your needs. Rates by region are listed below.
Dental Option (PPO) Dental Option (TRP) Dental Option (Prev Plus)
N/A
N/A
90th 90th
N/A
$1,500Yes
$1,000Yes
N/A
90th
$1,000
1
2
3Underwriting Guidelines:- You must be a MSA Pro member to qualify for these plans and rates.- No employer contribution is required. Plans can be offered to your employees on a voluntary basis.- There are no waiting periods for timely enrollments.- A minimum of 2 employees must enroll in dental.- If vision and dental are sold together, a minimum of 2 employees must enroll in vision. If vision is sold without dentalthen a minimum of 5 employees must enroll in vision.- Visit www.Humana.com to view provider availability
- Dental Network: PPO/Traditional Preferred- Vision Network: Humana Insight Network
Ready to Enroll? Please contact:Kuhlmann Financial Services, [email protected]
Toll Free: 1-833-939-4002
