The Rolla Surest Plan is a regional medical plan option for those with a home or work address in an eligible county surrounding Rolla. The plan offers a broad national network of providers with a simplified single fixed copay for per specific service instead of deductibles and coinsurance. Medical service pricing is available in advance through the Surest website, helping participants better understand costs before receiving care. While the plan has no medical deductible, a separate deductible applies to prescription drugs.
Plan Availability
Plan Availability
The Rolla Surest Plan is available to faculty and staff with a home or work address in one of the following counties around Rolla:
- Missouri counties: Crawford, Dent, Gasconade, Maries, Phelps, Pulaski and Texas.
- Rolla Surest Plan coverage map (PDF)
You may be eligible for other regional plans depending on where you live and work (i.e., your work address is located in an eligible St. Louis-area county but your home address is in an eligible Columbia-area county, or vice versa). In this case, you will have the option to enroll in either region’s insurance plans. While some plan structure details between regions may be the same or similar, the network of providers receiving preferred/discounted rates is different. Differences in premium cost between regions are due, in part, to these network differences.
For more information on eligibility for benefits coverage, including covering dependents, see Benefit Eligibility & Program Structure.
Costs
Costs
Monthly Cost
Premiums
Monthly employee premium cost* for active employees:
- Self only: $165
- Self and spouse: $445
- Self and child(ren): $409
- Self, spouse and child(ren): $743
*Premiums for faculty on a nine-month contract paid over nine months are different. For more information, visit Premiums for 9-Month Faculty Paid Over 9 Months.
Amount Owed Before Insurance Pays
Deductible
The Rolla Surest Plan has one annual deductible for prescription drug costs. There is no medical deductible.
- Rx deductible:
- Retail: $75/person
- Mail-order: $0/person
Max You Pay Annually
Out-of-Pocket Limit
The Rolla Surest Plan has two annual out-of-pocket limits: one for medical and a second for prescription drug costs.
- Medical out-of-pocket limit:
- In-network: $5,500/self; $11,000/family
- Out-of-network: $11,000 or more/self; $22,000 or more/family
- Rx out-of-pocket limit:
- $6,850/self; $13,700/family
As a copay plan without a medical deductible, you pay the copay of the covered in-network medical services until you reach the out-of-pocket limit.
Covered Services
Covered Services
Member costs can vary depending on provider, location and services received. Use the Surest app to see service costs, by provider, before receiving care.
See Plan Contacts & Provider Directories
| Service | In-Network Cost | Out-of-Network Cost** |
|---|---|---|
| Preventive Care | $0 | $195 |
| Primary Care | $25-130 copay/visit | $220/visit |
| Specialist Care | $25-130 copay/visit | $220/visit |
| Urgent Care | $80 copay/visit | $210/visit |
| Lab & X-Ray | $0/routine; $150-$1,900/complex | $0/routine; up to $5,700/complex |
| Outpatient Care | $200-$1,050 | $3,150-$10,000 |
| Inpatient Care | $400-$3,500 (maternity delivery $1,300-$2,750) | up to $10,000 (maternity delivery: up to $8,250/stay) |
| Durable Medical Equipment | $0-$1,000 | Up to $2,000 |
| Emergency Room | $900/visit | $900/visit |
| Ambulance | $500 | $500 |
Prescription Drugs
Prescription Drugs
The cost of prescription drugs is discounted in-network based on the University’s negotiated rate. You pay the total of the discounted price until the deductible is met. For out-of-network claims, members pay the difference between the non-participating and participating pharmacy charge.
Specialty medications are managed and processed through ArchimedesRx. For retail drugs, 90-day fills or refill at Mizzou pharmacies are the same cost as mail-order.
| Prescription Type | Network | Formulary Generic | Formulary Brand | Non-Formulary Brand |
|---|---|---|---|---|
| Retail, non-maintenance | In-Network (greater of) | $10 copay or 20% coinsurance | $30 copay or 25% coinsurance | $50 copay or 50% coinsurance |
| Out-of-Network | $30 copay or 50% network costs or more after deductible | $30 copay or 50% network costs or more after deductible | $30 copay or 50% network costs or more after deductible | |
| Retail, Maintenance | In-Network (greater of) | $15 copay or 25% coinsurance | $40 copay or 30% coinsurance | $60 copay or 55% coinsurance |
| Out-of-Network | $30 copay or 50% network costs or more after deductible | $30 copay or 50% network costs or more after deductible | $30 copay or 50% network costs or more after deductible | |
| In-Network (greater of) | $20 copay or 20% coinsurance | $60 copay or 25% coinsurance | $100 copay or 50% coinsurance | |
| Out-of-Network | $30 copay or 50% network costs or more after deductible | $30 copay or 50% network costs or more after deductible | $30 copay or 50% network costs or more after deductible |
Video Guides
Video Guides
Consider Account Options
Consider Account Options
Pay for Medical, Dental & Vision Costs
Health Care FSA
Set aside pre-tax dollars to help cover medical, dental and vision expenses for you and your dependents, even if those dependents don’t have university insurance. Reduce taxable income up to IRS limits while making routine healthcare costs easier to manage.
Cover Child & Adult Dependent Care
Dependent Care FSA
Pay for eligible childcare or adult dependent care during the workday with pre-tax dollars, helping you balance work and family. IRS limits apply, and this account can save you money while ensuring your dependents get the care they need.
Making the Most of Your Coverage
Making the Most of Your Coverage
Whether you’re learning about University insurance or already enrolled in a medical plan, you can use these resources to find out more about the breadth of your coverage.
Learn about enrolling or making plan changes and how to make the most of your insurance day-to-day, plus explore how coverage applies to specific health needs to get the support you need when you need it.
Notice of Nondiscrimination
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