Cafeteria Plan

Save money and plan for upcoming medical or dependent care expenses.

What is it? 

The cafeteria plan allows you to pay insurance premiums and non-covered medical or dental expenses, or dependent care costs on a pre-tax basis. Ultimately, it saves you money by setting some aside pre-tax. Enrollment is voluntary and you can choose the plan that works for you. 

The deadline to enroll is December 1, 2017. New employees have 31 days to enroll. 

Cost and coverage

Medical expenses

To participate, estimate the amount of money you want redirected from your salary to your cafeteria plan account for medical expenses. Keep in mind medical plan deductibles, out of pocket maximums and prescription drug coverage when estimating future expenses. If you over-estimate the amount you need, the state of Missouri will keep the funds left in your account at the end of the year.

Dependent care costs 

You may also use the cafeteria plan to pay for dependent care costs on a pre-tax basis. The dependent care account allows you to save on child or elder care expenses, e.g., babysitting, daycare, in-home care for an older dependent incapable of self-care.

Please review your cafeteria plan annually. Complete information on coverage may be found in the Cafeteria Plan and Enrollment Guide.

How to use benefit

Dependent care costs

Employees should consider enrolling if you meet any of the following criteria:

  • Anticipate having medical or dental expenses not covered by our insurance (for example: orthodontia).
  • Elect Missouri State University medical or dental insurance for a family member(s) and want to pay the insurance premiums on a pre-tax basis.
  • Have dependent care expenses.
  • Part-time employees can only enroll in dependent care FSA.

If you are not currently participating in the cafeteria plan, but want to begin participating in 2018, you must use the online enrollment procedures.

Filing a claim

A claim form for qualifying expenses must be submitted to the Missouri Cafeteria Plan for reimbursement. 

Making changes

If you want to stop using the cafeteria plan to pay your insurance premium(s) on a pre-tax basis in 2018, you must select the post-tax option. If you do not follow the instructions to stop participating, your insurance premiums will continue to be paid pre-tax through the cafeteria plan for all of 2018.

If you do not want to participate (or continue to participate) in the flexible medical benefits and/or dependent care assistance option in 2018, simply do nothing and your participation will automatically end on December 31, 2017.

Forms and publications

Forms

Publications

Policy

Contact information