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Dental insurance

The University of Missouri System’s Dental Plan is available to all benefit-eligible faculty, staff and retirees.

Visit our plan contacts page.

Looking for plan providers or health care providers?
Visit our plan contacts page for more information.


Premiums

Monthly employee premium cost for active employees:

  • Self only: $14.76
  • Self and spouse: $29.52
  • Self and child(ren): $35.82
  • Self, spouse and child(ren): $50.58

* Premiums for retirees vary according to a formula based on years of service and other factors. For an idea of what premiums would be for your particular circumstances, use the Retiree Insurance Premiums Estimator.


Deductible

  • Self: $100
  • Family: $300

The dental plan utilizes a passive network. You may receive services from network providers or non-network providers. Therefore, there is no difference in the annual deductibles for in-network and out-of-network services.


Expenses covered

  • Class A services- Preventive care for routine oral exams, cleaning, x-rays, sealants and flouride:
    • 100% (no deductible)
  • Class B services- Basic care for treatments such as fillings, oral surgery and extractions:
    • 80% after annual deductible
  • Class C services- Major treatment such as bridgework, dentures and crowns:
    • 50% after annual deductible

Services here describe eligible dental expenses; orthodontics is not an eligible expense. Reimbursements are limited to fees determined to be reasonable and customary.


Maximum benefit

Each individual covered under your plan may receive a maximum of $1,500 per calendar year for preventive, basic and major dental care combined.


Network providers

The university dental plan utilizes a passive network, which means you have the ability to receive services from network or non-network providers. No matter your provider, your deductible and coinsurance remain the same, as long as charges are reasonable and customary. However, Delta Dental’s in-network providers have agreed to charge negotiated rates for specific services, so using either of Delta Dental’s two networks, PPO or Premier, may help you achieve more affordable services. Of the two networks, the Delta Dental PPO Network offers the lowest negotiated services, often resulting in the greatest savings.

Go to the plan contacts webpage to find the provider directory for this plan.

Forms and guides
  • View all available Summary Plan Descriptions (SPDs)
  • 2020 Benefits Enrollment Form (PDF, 291KB) - For active faculty and staff who are newly eligible for benefits (e.g., newly hired or newly promoted to a benefit-eligible job)
  • 2020 Benefits Change Form (PDF, 553KB) - For active faculty and staff who have a family status change.
  • 2021 Benefits Enrollment Form (coming soon) - For active faculty and staff who are newly eligible for benefits (e.g., newly hired or newly promoted to a benefit-eligible job)
  • 2021 Benefits Change Form (coming soon) - For active faculty and staff who have a family status change.
  • Delta Dental mobile app (PDF, 692KB)

* In the event of a difference between this webpage and the plan document or summary plan description, the plan document and plan description prevail.

Many documents on this webpage require Adobe Acrobat. A free reader is available to everyone. Read more about PDFs.

Reviewed 2020-09-25