Employee Benefit Information

MESSA Medical Insurance

Medical coverage for Monroe County ISD employees is provided through MESSA . Links to the Summary of Benefits and Coverage for each plan is located below.  All MESSA changes and enrollments are to be completed online at the MESSA website, www.messa.org, using your account.  See the link below for information on creating an account if you don't already have one and making changes to your coverage.

Members of the MCIFSA, MCIEA, and ESPA employees may choose between MESSA CHOICES, MESSA ABC Plan 1, MESSA ABC Plan 2 and MESSA ABC Plan 3.
Non-Affiliated employees may choose between MESSA CHOICES, MESSA ABC Plan 1, MESSA ABC Plan 2 and MESSA Essentials.


GSRP and Head Start employees may choose between MESSA CHOICES, MESSA ABC Plan 1, MESSA ABC Plan 3 and MESSA Essentials


Summary of Benefits and Coverage


PDF DocumentMESSA ABC Plan 1 (HSA)

PDF DocumentMESSA ABC Plan 2 (HSA)

PDF DocumentMESSA ABC Plan 3 (HSA)

PDF DocumentMESSA Essentials by MESSA


Plan Comparison Guide


PDF DocumentESPA - MCIEA - MCIFSA Employees

PDF DocumentNon-Affiliated - Central Office - Hourly Non-Union Employees

PDF DocumentHead Start and GSRP Employees


Additional Plan Information

PDF DocumentPlan Coverage Booklet - MESSA CHOICES

PDF DocumentPlan Coverage Booklet - ABC Plans

PDF DocumentPlan Coverage Booklet - Essentials by MESSA

PDF DocumentQuick Tips for MESSA ABC Members

PDF DocumentMESSA ABC - Understanding Deductibles

PDF DocumentMoving from one MESSA Plan to another MESSA Plan

PDF DocumentPrescriptions - MESSA ABC with ABC Rx

PDF DocumentPrescriptions - MESSA CHOICES with Saver Rx

PDF DocumentPrescriptions - MESSA Essentials with Essentials by MESSA


 Online Doctor Visits

 24/7 Online Dr. Visits


MESSA Optional Insurance

Employees can purchase optional insurance coverage from MESSA for short-term and long-term disability, as well as additional life insurance for themselves or family members.  

PDF DocumentMESSA Gives You Options

PDF DocumentLife and Accident Insurance Options

PDF DocumentLong Term Disability Insurance Booklet

PDF DocumentLong Term Disability Insurance FAQs

PDF DocumentShort Term Disability Booklet

PDF DocumentShort Term Disability FAQs

PDF DocumentBasic Life Insurance

PDF DocumentSupplemental Plans Booklet

PDF DocumentOptional Bundle Employee Paid Plan Pamphlet


SET/SEG Dental and Vision Insurance

Dental and Vision coverage for Monroe County ISD employees is provided by SET/SEG.

Summary of Benefits and Coverage

PDF DocumentSETSEG Dental Plan

PDF DocumentSETSEG Vision Plan


PDF DocumentSETSEG Life Insurance


PDF DocumentSET/SEG Change Form

PDF DocumentSET/SEG Application Form

SET/SEG - Voluntary Benefits

Voluntary Term Life and Accidental Death and Dismemberment Insurance is available to Monroe County ISD employees through SET/SEG. This plan can provide coverage for you, your spouse, and your dependents at affordable premium rates. 

New for 2020, employees may elect to purchase Short-Term Disability, Long-Term Disability, and Hospital Indemnity Insurance through SET SEG.  See the updated Voluntary Term Life Guide below for information and costs of these optional insurances.

For information on coverage and cost see the Voluntary Term Life Guide


PDF DocumentSETSEG Life Insurance

PDF DocumentReliance Designation of Beneficiary

PDF DocumentReliance Standard Enrollment Application for Voluntary Life Insurance

AFLAC Supplemental Benefits

AFLAC offers MCISD employees the following benefit plans:

  • Personal Cancer Protection Plan

  • Specified Health Event/Critical Illness

  • Hospital Indemnity

  • Personal Accident Expense

  • Short Term Disability

  • Vision Insurance

Contact JoEdda Gardner-Fields for AFLAC Insurance Enrollment/Changes:  734-799-2522 or joedda_gardnerfields@us.aflac.com

AFLAC Open Enrollment 2023

External LinkAFLAC Open Enrollment

Continuation Coverage Rights Under COBRA 

  PDF DocumentContinuation Coverage Rights Under COBRA

Cafeteria Plan

Monroe County ISD sponsors the MCISD Cafeteria Plan with Premium payment, Health Flexible Spending Account (FSA) (including Limited Purpose Account), Health Savings Account (HSA) and DCAP components that allows eligible employees to choose from a menu of different benefits to suit their needs and to pay for those benefits with pre-tax dollars. The Cafeteria Plan Document and Summary Plan Description document can be accessed from the link below. 

Employees with questions should contact Janel Faber, 734.322.2641 or janel.faber@monroeisd.us.

  PDF DocumentMCISD Cafeteria Plan and Summary Plan Description 1/1/2024


Flexible Spending Accounts

The Monroe County Intermediate School District offers two types of Flexible Spending Accounts (FSA) - the Medical Reimbursement Account and the Dependent Care Account to employees who are eligible for insurance benefits.  These accounts reimburse employees for certain medical and dependent care expenses.  Payroll deductions are taken on a pre-tax basis.  Effective January 1, 2023 employees may carryover up to $570 of their current year contributions to the following year's expense.

Employees who are enrolled in the MESSA ABC Plan 1, Plan 2 or Plan 3 are NOT eligible to enroll in a Flexible Spending Medical Reimbursement Account.  They may sign up for a Limited Purpose account, which allows expenses for dental and vision only.

See the BASIC Flex Brochure at right for additional information, as well as the link below.

PDF DocumentFlexible Spending Accounts

PDF DocumentBasic Flex Brochure

PDF DocumentBasic Flex Enrollment Form

PDF DocumentHealth Savings Account versus Flexible Spending Account


Health Savings Account

Health Savings Accounts (HSA) are available to Monroe County ISD employees who are enrolled in the MESSA ABC Plan 1, Plan 2 or Plan 3.  It is managed by HealthEquity.  It also can be used to reimburse employees for medical expenses not covered by their insurance.  Payroll deductions are taken on a pre-tax basis.  There are no carryover limitations with an HSA account.  See links below for additional information.

PDF DocumentComplete HSA Guidebook

PDF DocumentHealth Savings Account - Can I Have One and How Can I Use It

PDF DocumentHealth Savings Account - FAQs

PDF DocumentMedicare and HSA Eligibility

PDF DocumentHSA Eligibility 

PDF DocumentWinning with an HSA - Health Savings Account

PDF DocumentFive Great Reasons to Choose an HSA


PDF DocumentMESSA ABC - Keys to Using Your MESSA Card and Health Equity Card

PDF DocumentHealth Spending Account versus Flexible Spending Account

PDF DocumentEmployee HSA Payroll Deduction Form 2023

PDF DocumentEmployee HSA Payroll Deduction Form 2024

MPSERS (Michigan Public School Employees Retirement System) Information

Information regarding  the MPSERS system school retirement plans is available on the following website.  http://www.michigan.gov/ors/

Once you have selected your plan from this site, you will be directed to an overall MPSERS website. Here you will be able to find information regarding retirement planning, retirement insurance, purchasing service credit, etc.

It is very important for all employees to register to access their miAccount.  This account provides employees information regarding their retirement system plan, beneficiary nominations, service credit accrual, and pension estimator.  This is also the site where you would apply for retirement.  To register for your miAccount, use the following link miAccount. 

As an MCISD employee, please be aware that you may have contractual requirements to meet prior to retiring. If you have questions, please contact Human Resources as soon as possible to discuss your options.

See the Tax-Sheltered Annuity link on the right-hand menu for information regarding them.

The Educational Assistance Plan is established by the Monroe County Intermediate School District to provide eligible employees with educational assistance benefits under Section 127 of the Internal Revenue Code (“Section 127”) to enhance employee proficiency and opportunity for advancement, or in the case of educational assistance provided through grant-funded loan repayment programs, to recognize past academic accomplishments.

Employees with questions, should contact HR at 734-322-2641.

PDF DocumentSection 127 Summary Plan Description

Important Information

Affordable Care Act (ACA)

PDF DocumentEstablishment of Periods 

PDF DocumentEmployee Benefit Notices 


Administrative Assistant

Janel Faber
Administrative Assistant
Human Resources & Legal Counsel