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This plan features a broad network of providers with the lowest monthly premiums and the highest deductible. Enrollees have access to a Health Savings Account (HSA) with an annual University HSA contribution up to $1,200, as well as a Health Payment Account (HPA) for payment plans via payroll deduction without fees or interest. 

A traditionally structured insurance plan, the PPO Plan has a nationwide network of providers but also the highest premium of all medical plan options. Participants have an annual deductible, copayments and coinsurance for medical services and prescription drugs until the out-of-pocket limit is reached.

A regional plan for the Columbia area featuring a smaller pool of in-network providers in exchange for mid-level premiums and service costs, participants have an annual deductible, copayments and coinsurance for medical services and prescription drugs until the out-of-pocket limit is reached. MU Health Care is the primary in-network provider.

The regional plan option for the KC area. Featuring a smaller pool of in-network providers in exchange for mid-level premiums and service costs, participants have an annual deductible, copayments and coinsurance for medical services and prescription drugs until the out-of-pocket limit is reached. In-network providers include Children¡¯s Mercy and St. Luke¡¯s and others around Kansas City. 

Instead of coinsurance and deductibles for medical services, Rolla¡¯s regional plan option uses a fixed single copay per specific service. Pricing for medical services is outlined on the Surest website and participants pay copayments or coinsurance for prescriptions filled through mail-order until the out-of-pocket limit is reached. For prescriptions filled through retail, a deductible must be met before paying copayments or coinsurance.

St. Louis¡¯s regional plan option features a smaller pool of in-network providers in exchange for mid-level premiums and service costs. Participants have an annual deductible, copayments and coinsurance for medical services and prescription drugs until the out-of-pocket limit is reached. In-network providers include Mercy and SSM Health and others in the St. Louis area.