Missouri State University

Dental

The University’s dental plan is self-funded and Med-Pay, Inc., third party administrator, handles the claims administration. The University contributes the full cost for employee coverage. Dental coverage is also available for spouses and eligible dependents and you pay the full cost for their coverage. 

Please click the "Provider Locator" link on the left to locate participating dental providers in the Dental Health Alliance network. If you obtain dental services from a participating dentist in this network, you will receive a discount.  You may still use any dentist you choose but using the network dentists will normally save you money.

Otherwise, coverage charges are based on usual, customary and reasonable billed rates and consist of four types of services:

  • Type I – Preventive Services, are paid at 80% with no deductible.
  • Type II – Basic Restorative Services, are paid at 80% with a $50 deductible.
  • Type III – Major Restorative and Prosthodontics Services, are paid at 50% with a $50 deductible.
  • Type IV – Temporomandibular Joint Dysfunction (TMJ), are paid at 50% with a $50 deductible.

The maximum annual deductible paid for employee coverage in a calendar year is a total of $50 for both Type II & III services combined. The maximum annual deductible for family coverage in a calendar year is a total of $150 for both Type II & III services combined. The University’s dental insurance plan will pay a maximum of $1,000 per covered person in a calendar year for Types I, II, III and IV coverages. Orthodontia is not covered under the plan.

You may decline the University’s dental coverage by completing a “Declination of Coverage” form. If you decline the University’s dental coverage for yourself you are also declining coverage for their family members. Declining the dental coverage does not result in a payment or increase in your salary in lieu of coverage. 

 

Quick Overview