Skip to main content

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

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.

Click on a header to expand the selection and uncover additional 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 more information about retiree insurance eligibility and premiums, visit the Retiree benefits overview webpage.

 

🩺 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.

 

Making the Most of Your Plan

Click on a header to expand the selection and uncover additional information.

🏥 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 2022-03-31

Notice of Nondiscrimination

If you speak another language, assistance services, free of charge, are available to you. Call UnitedHealthcare at 1-844-634-1237 for translation assistance.

Español   繁體中文   Tiếng Việt   Srpsko-hrvatski   Deutsch   العربية   Русский   한국어  
Français   Tagalog   Deitsch   فارسی   Oroomiffa   Português   አማርኛ