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Dental insurance

The University of Missouri System’s Dental Plan is available to all benefit-eligible faculty, staff and retirees, regardless of the location where they live or work.

The 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.


Costs

💲 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.

 

🩺 Covered Services

Coverage is offered for three classes of reasonable and customary expenses: preventive, basic and major services.

  • 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.

 

➖ 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.

 

🧾 Maximum Benefit

Dental coverage has a maximum annual benefit of $1,500 for each individual enrolled in the plan. This cap is for preventive, basic and major care combined.

 

For a printable version, download the Plan Information and Comparison handout (375KB, PDF), which features a comparison chart and premium rates for the available insurance plans.


Making the Most of Your Plan

🏥 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, using either of Delta Dental’s two networks, PPO or Premier, may help you achieve more affordable services. The Delta Dental PPO Network offers the lowest negotiated services, often resulting in the greatest savings.

Provider directories may be accessed on the plan contacts webpage.

 

🏷 Discounts

Visit the health and wellness tools and discounts webpage to maximize your convenience and savings.

 

Forms and guides

* 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 2021-09-24