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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

Dental Plan- Monthly premiums for active employees, 2019/2020*

Coverage level Employee cost UM cost Total
Self only $14.76 $14.76 $29.52
Self and spouse $29.52 $29.52 $59.04
Self and child(ren) $35.82 $35.82 $71.64
Self, spouse, and child(ren) $50.58 $50.58 $101.16

* 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

Dental Plan- Annual deductible, 2019/2020

Coverage level Amount
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

Dental Plan- Services and coverage, 2019/2020

Services Coverage
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

The services in this table describe eligible dental expenses; orthodontics are 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
  • 2019 Dental Summary Plan Description (SPD) (PDF, 390KB)
  • 2020 Dental Summary Plan Description (SPD) (available in early 2020) Please note that, except for the specific information pertaining to the allowable/eligible expenses when using an out-of-network provider, information in the 2020 SPD for each plan may vary from information in the 2019 SPD.
  • 2019 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)
  • 2019 Benefits Change Form (PDF, 553KB) - For active faculty and staff who have a family status change.

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

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Reviewed 2019-10-01