Missouri Retired Teachers Association and Public School Personnel (MRTA) knows Retired Educators like you. Association Member Benefits Advisors (AMBA) knows insurance. Together we can provide you with the dental and vision plans you need to keep your teeth and eyes healthy now and for years to come.

Enroll in Dental & Vision Plans in 4 easy steps.

Dental
Dental Plans That Fit Your Budget:
Man flossing
  • Keep your dentist or choose an In-Network dentist and save
  • Over 400,000 providers to choose from, whether home or away
  • No waiting period – get access right away
  • Covers exams, cleanings, fillings, crowns, and more
  • High annual maximum that can increase after one year
Man flossing
Dental Plan Comparison
Gold
Plan
Essential Coverage
Platinum
Plan
Most Comprehensive
Member
$37.08/month
$54.13/month
Member +1
$80.34/month
$117.28/month
Member +Family
$126.26/month
$184.32/month
Deductible
$75.00 per year/person
$75.00 per year/person

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Annual Maximums

Gold
Plan
Platinum
Plan
In Network
$1,250.00 per year/person
$1,500.00 per year/person
Out of Network
$1,250.00 per year/person
$1,500.00 per year/person

Rewards

Gold
Plan
Platinum
Plan
Annual Benefit Threshold
$500.00
$500.00
Annual Maximum Benefit
$1,250.00
$1,500.00
Dental Rewards Carry Over
$250.00
$250.00
Year 2 Maximum Benefit
$1,500.00
$1,750.00
Total Maximum Benefit
$2,250.00
$2,500.00

Preventative

Routine Cleanings
Covers 100%
Covers 100%
Routine Oral Exams
Covers 100%
Covers 100%
X-Rays (all types)
Covers 100%
Covers 100%

Basic

Denture Repair
Covers 70%
Covers 80%
Fillings
Covers 70%
Covers 80%
General Anesthesia
Covers 70%
Covers 80%

Major

Crown Repair
Covers 40%
Covers 50%
Crown (all types)
Covers 40%
Covers 50%
Dentures (all types)
Covers 40%
Covers 50%
Root Canal (all types)
Covers 40%
Covers 50%
Extractions (simple and complex)
Covers 40%
Covers 50%
Oral Surgery
Covers 40%
Covers 50%
Periodontics
Covers 40%
Covers 50%

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Use your current dentist OR Save 25-50% with a dentist in our network. Find a dentist

Details may vary based on start date. Upon enrollment you will receive a ‘welcome to the program’ letter then you will receive your full policy documents and ID cards. Please consult your policy as the final ultimate source of covered services and program details.
Rates valid from 1 June, 2022 to 31 May, 2024. 
                {
    "services": {
        "Routine Cleanings": {
            "Gold": "Covers 100%",
            "Platinum": "Covers 100%"
        },
        "Routine Oral Exams": {
            "Gold": "Covers 100%",
            "Platinum": "Covers 100%"
        },
        "X-Rays (all types)": {
            "Gold": "Covers 100%",
            "Platinum": "Covers 100%"
        },
        "Denture Repair": {
            "Gold": "Covers 70%",
            "Platinum": "Covers 80%"
        },
        "Fillings": {
            "Gold": "Covers 70%",
            "Platinum": "Covers 80%"
        },
        "General Anesthesia": {
            "Gold": "Covers 70%",
            "Platinum": "Covers 80%"
        },
        "Crown Repair": {
            "Gold": "Covers 40%",
            "Platinum": "Covers 50%"
        },
        "Crown (all types)": {
            "Gold": "Covers 40%",
            "Platinum": "Covers 50%"
        },
        "Dentures (all types)": {
            "Gold": "Covers 40%",
            "Platinum": "Covers 50%"
        },
        "Root Canal (all types)": {
            "Gold": "Covers 40%",
            "Platinum": "Covers 50%"
        },
        "Extractions (simple and complex)": {
            "Gold": "Covers 40%",
            "Platinum": "Covers 50%"
        },
        "Oral Surgery": {
            "Gold": "Covers 40%",
            "Platinum": "Covers 50%"
        },
        "Periodontics": {
            "Gold": "Covers 40%",
            "Platinum": "Covers 50%"
        }
    },
    "plans": {
        "Gold": {
            "inEffect": "2022-06-01T00:00:00",
            "marketingInEffect": "2022-04-20T00:00:00",
            "outOfEffect": "2024-05-31T00:00:00",
            "marketingOutOfEffect": "2024-05-31T00:00:00",
            "policyNumber": "351004",
            "cleaningsPerPeriod": 2,
            "cleaningPeriod": "Benefit Period",
            "orthoEliminationPeriod": 0,
            "examFrequency": 2,
            "examPeriod": "Benefit Period",
            "orthoCoverageDescription": "None",
            "orthoLifetimeMax": 0,
            "orthoCoInsurance": 0,
            "annualPlanMax": 1250,
            "outOfNetAnnualPlanMax": 1250,
            "rewardsThreshold": 500,
            "rewardsAnnualRollover": 250,
            "ppobonus": 0,
            "rewardsMaxRollover": 1000,
            "waitingPeriod": null,
            "notes": null,
            "deductible": 75,
            "familyDeductibleMax": 225,
            "dentalRewards": true,
            "planLevel": "Gold",
            "dentalNetworkDescription": "Non-PPO \/ Out-Of-Network Benefits",
            "frequencyType": "Annual",
            "carrier": {
                "fullName": "Ameritas Life Insurance Corp",
                "shortName": "Ameritas",
                "logo": "\/img\/ameritas.png",
                "creativeApproval": "2020-03-11T19:51:51.743",
                "website": "https:\/\/dentalnetwork.ameritas.com\/"
            },
            "dentalPlanCoverage": [
                {
                    "rate": 37.08,
                    "coverage": "Member"
                },
                {
                    "rate": 80.34,
                    "coverage": "Member +1"
                },
                {
                    "rate": 126.26,
                    "coverage": "Member +Family"
                }
            ],
            "dentalPlanType": [
                {
                    "inNetworkPercent": 1,
                    "outOfNetworkPercent": 1,
                    "deductibleWaived": true,
                    "dentalPlanTypeIncentive": [],
                    "dentalPlanTypeProcedure": [
                        {
                            "frequency": 2,
                            "mceamount": 0,
                            "frequencyType": "Plan Period",
                            "name": "Routine Cleanings"
                        },
                        {
                            "frequency": 2,
                            "mceamount": 0,
                            "frequencyType": "Plan Period",
                            "name": "Routine Oral Exams"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "X-rays"
                        }
                    ]
                },
                {
                    "inNetworkPercent": 0.7,
                    "outOfNetworkPercent": 0.7,
                    "deductibleWaived": false,
                    "dentalPlanTypeIncentive": [],
                    "dentalPlanTypeProcedure": [
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Denture Repair"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Fillings"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "General Anesthesia"
                        }
                    ]
                },
                {
                    "inNetworkPercent": 0.4,
                    "outOfNetworkPercent": 0.4,
                    "deductibleWaived": false,
                    "dentalPlanTypeIncentive": [],
                    "dentalPlanTypeProcedure": [
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Crown Repair"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Crowns"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Dentures"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Endodontics (root canals)"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Extractions (simple and complex) "
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Oral Surgery"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Periodontics (gum disease)"
                        }
                    ]
                }
            ],
            "inEffectDate": "2022-04-20",
            "inEffectTimestamp": 1650412800,
            "outOfEffectDate": "2024-05-31",
            "outOfEffectTimestamp": 1717113600,
            "startTimestamp": 1654041600,
            "isInEffect": true,
            "planLevelText": "Essential Coverage",
            "frequencyText": "per year & per person",
            "frequencyTextAlt": "per year\/person",
            "planCoverage": [
                {
                    "rate": 37.08,
                    "coverage": "Member"
                },
                {
                    "rate": 80.34,
                    "coverage": "Member +1"
                },
                {
                    "rate": 126.26,
                    "coverage": "Member +Family"
                }
            ],
            "planType": "dental",
            "types": [
                {
                    "inNetworkPercent": 1,
                    "outOfNetworkPercent": 1,
                    "deductibleWaived": true,
                    "dentalPlanTypeIncentive": [],
                    "dentalPlanTypeProcedure": [
                        {
                            "frequency": 2,
                            "mceamount": 0,
                            "frequencyType": "Plan Period",
                            "name": "Routine Cleanings"
                        },
                        {
                            "frequency": 2,
                            "mceamount": 0,
                            "frequencyType": "Plan Period",
                            "name": "Routine Oral Exams"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "X-rays"
                        }
                    ],
                    "covers": "Covers 100%"
                },
                {
                    "inNetworkPercent": 0.7,
                    "outOfNetworkPercent": 0.7,
                    "deductibleWaived": false,
                    "dentalPlanTypeIncentive": [],
                    "dentalPlanTypeProcedure": [
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Denture Repair"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Fillings"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "General Anesthesia"
                        }
                    ],
                    "covers": "Covers 70%"
                },
                {
                    "inNetworkPercent": 0.4,
                    "outOfNetworkPercent": 0.4,
                    "deductibleWaived": false,
                    "dentalPlanTypeIncentive": [],
                    "dentalPlanTypeProcedure": [
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Crown Repair"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Crowns"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Dentures"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Endodontics (root canals)"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Extractions (simple and complex) "
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Oral Surgery"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Periodontics (gum disease)"
                        }
                    ],
                    "covers": "Covers 40%"
                }
            ]
        },
        "Platinum": {
            "inEffect": "2022-06-01T00:00:00",
            "marketingInEffect": "2022-04-20T00:00:00",
            "outOfEffect": "2024-05-31T00:00:00",
            "marketingOutOfEffect": "2024-05-31T00:00:00",
            "policyNumber": "351004",
            "cleaningsPerPeriod": 2,
            "cleaningPeriod": "Benefit Period",
            "orthoEliminationPeriod": 0,
            "examFrequency": 2,
            "examPeriod": "Benefit Period",
            "orthoCoverageDescription": "None",
            "orthoLifetimeMax": 0,
            "orthoCoInsurance": 0,
            "annualPlanMax": 1500,
            "outOfNetAnnualPlanMax": 1500,
            "rewardsThreshold": 500,
            "rewardsAnnualRollover": 250,
            "ppobonus": 0,
            "rewardsMaxRollover": 1000,
            "waitingPeriod": null,
            "notes": null,
            "deductible": 75,
            "familyDeductibleMax": 225,
            "dentalRewards": true,
            "planLevel": "Platinum",
            "dentalNetworkDescription": "Non-PPO \/ Out-Of-Network Benefits",
            "frequencyType": "Annual",
            "carrier": {
                "fullName": "Ameritas Life Insurance Corp",
                "shortName": "Ameritas",
                "logo": "\/img\/ameritas.png",
                "creativeApproval": "2020-03-11T19:51:51.743",
                "website": "https:\/\/dentalnetwork.ameritas.com\/"
            },
            "dentalPlanCoverage": [
                {
                    "rate": 54.13,
                    "coverage": "Member"
                },
                {
                    "rate": 117.28,
                    "coverage": "Member +1"
                },
                {
                    "rate": 184.32,
                    "coverage": "Member +Family"
                }
            ],
            "dentalPlanType": [
                {
                    "inNetworkPercent": 1,
                    "outOfNetworkPercent": 1,
                    "deductibleWaived": true,
                    "dentalPlanTypeIncentive": [],
                    "dentalPlanTypeProcedure": [
                        {
                            "frequency": 2,
                            "mceamount": 0,
                            "frequencyType": "Plan Period",
                            "name": "Routine Cleanings"
                        },
                        {
                            "frequency": 2,
                            "mceamount": 0,
                            "frequencyType": "Plan Period",
                            "name": "Routine Oral Exams"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "X-rays"
                        }
                    ]
                },
                {
                    "inNetworkPercent": 0.8,
                    "outOfNetworkPercent": 0.8,
                    "deductibleWaived": false,
                    "dentalPlanTypeIncentive": [],
                    "dentalPlanTypeProcedure": [
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Denture Repair"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Fillings"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "General Anesthesia"
                        }
                    ]
                },
                {
                    "inNetworkPercent": 0.5,
                    "outOfNetworkPercent": 0.5,
                    "deductibleWaived": false,
                    "dentalPlanTypeIncentive": [],
                    "dentalPlanTypeProcedure": [
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Crown Repair"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Crowns"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Dentures"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Endodontics (root canals)"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Extractions (simple and complex) "
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Oral Surgery"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Periodontics (gum disease)"
                        }
                    ]
                }
            ],
            "inEffectDate": "2022-04-20",
            "inEffectTimestamp": 1650412800,
            "outOfEffectDate": "2024-05-31",
            "outOfEffectTimestamp": 1717113600,
            "startTimestamp": 1654041600,
            "isInEffect": true,
            "planLevelText": "Most Comprehensive",
            "frequencyText": "per year & per person",
            "frequencyTextAlt": "per year\/person",
            "planCoverage": [
                {
                    "rate": 54.13,
                    "coverage": "Member"
                },
                {
                    "rate": 117.28,
                    "coverage": "Member +1"
                },
                {
                    "rate": 184.32,
                    "coverage": "Member +Family"
                }
            ],
            "planType": "dental",
            "types": [
                {
                    "inNetworkPercent": 1,
                    "outOfNetworkPercent": 1,
                    "deductibleWaived": true,
                    "dentalPlanTypeIncentive": [],
                    "dentalPlanTypeProcedure": [
                        {
                            "frequency": 2,
                            "mceamount": 0,
                            "frequencyType": "Plan Period",
                            "name": "Routine Cleanings"
                        },
                        {
                            "frequency": 2,
                            "mceamount": 0,
                            "frequencyType": "Plan Period",
                            "name": "Routine Oral Exams"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "X-rays"
                        }
                    ],
                    "covers": "Covers 100%"
                },
                {
                    "inNetworkPercent": 0.8,
                    "outOfNetworkPercent": 0.8,
                    "deductibleWaived": false,
                    "dentalPlanTypeIncentive": [],
                    "dentalPlanTypeProcedure": [
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Denture Repair"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Fillings"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "General Anesthesia"
                        }
                    ],
                    "covers": "Covers 80%"
                },
                {
                    "inNetworkPercent": 0.5,
                    "outOfNetworkPercent": 0.5,
                    "deductibleWaived": false,
                    "dentalPlanTypeIncentive": [],
                    "dentalPlanTypeProcedure": [
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Crown Repair"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Crowns"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Dentures"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Endodontics (root canals)"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Extractions (simple and complex) "
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Oral Surgery"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Periodontics (gum disease)"
                        }
                    ],
                    "covers": "Covers 50%"
                }
            ]
        }
    },
    "procedures": {
        "Routine Cleanings": {
            "": 1
        },
        "Routine Oral Exams": {
            "": 1
        },
        "X-Rays": {
            "all types)": 1
        },
        "Denture Repair": {
            "": 1
        },
        "Fillings": {
            "": 1
        },
        "General Anesthesia": {
            "": 1
        },
        "Crown Repair": {
            "": 1
        },
        "Crown": {
            "all types)": 1
        },
        "Dentures": {
            "all types)": 1
        },
        "Root Canal": {
            "all types)": 1
        },
        "Extractions": {
            "simple and complex)": 1
        },
        "Oral Surgery": {
            "": 1
        },
        "Periodontics": {
            "": 1
        }
    },
    "coverage": {
        "Member": {
            "Gold": 37.08,
            "Platinum": 54.13
        },
        "Member +1": {
            "Gold": 80.34,
            "Platinum": 117.28
        },
        "Member +Family": {
            "Gold": 126.26,
            "Platinum": 184.32
        }
    },
    "annualPlanMax": {
        "Gold": 1250,
        "Platinum": 1500
    },
    "outOfNetAnnualPlanMax": {
        "Gold": 1250,
        "Platinum": 1500
    },
    "rewardsThreshold": {
        "Gold": 500,
        "Platinum": 500
    },
    "rewardsAnnualRollover": {
        "Gold": 250,
        "Platinum": 250
    },
    "rewardsMaxRollover": {
        "Gold": 1000,
        "Platinum": 1000
    },
    "type_1": {
        "inNetworkPercent": {
            "Gold": 1,
            "Platinum": 1
        },
        "outOfNetworkPercent": {
            "Gold": 1,
            "Platinum": 1
        },
        "deductibleWaived": {
            "Gold": true,
            "Platinum": true
        },
        "services": {
            "Routine Cleanings": {
                "Gold": 1,
                "Platinum": 1
            },
            "Routine Oral Exams": {
                "Gold": 1,
                "Platinum": 1
            },
            "X-Rays (all types)": {
                "Gold": 1,
                "Platinum": 1
            }
        }
    },
    "type_2": {
        "inNetworkPercent": {
            "Gold": 0.7,
            "Platinum": 0.8
        },
        "outOfNetworkPercent": {
            "Gold": 0.7,
            "Platinum": 0.8
        },
        "deductibleWaived": {
            "Gold": false,
            "Platinum": false
        },
        "services": {
            "Denture Repair": {
                "Gold": 1,
                "Platinum": 1
            },
            "Fillings": {
                "Gold": 1,
                "Platinum": 1
            },
            "General Anesthesia": {
                "Gold": 1,
                "Platinum": 1
            }
        }
    },
    "type_3": {
        "inNetworkPercent": {
            "Gold": 0.4,
            "Platinum": 0.5
        },
        "outOfNetworkPercent": {
            "Gold": 0.4,
            "Platinum": 0.5
        },
        "deductibleWaived": {
            "Gold": false,
            "Platinum": false
        },
        "services": {
            "Crown Repair": {
                "Gold": 1,
                "Platinum": 1
            },
            "Crown (all types)": {
                "Gold": 1,
                "Platinum": 1
            },
            "Dentures (all types)": {
                "Gold": 1,
                "Platinum": 1
            },
            "Root Canal (all types)": {
                "Gold": 1,
                "Platinum": 1
            },
            "Extractions (simple and complex)": {
                "Gold": 1,
                "Platinum": 1
            },
            "Oral Surgery": {
                "Gold": 1,
                "Platinum": 1
            },
            "Periodontics": {
                "Gold": 1,
                "Platinum": 1
            }
        }
    }
};
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Frames Copay: $25
Frames Allowance:
$170 for featured frames 		$150
Contacts Allowance: $150

Quality Coverage With Low Copays

  • WellVision Exam every 12 months with $15 copay.
  • Contact Lens Exam every 12 months
  • Glasses with a $25 copay, 20% savings on additional glasses.
  • Lenses every 12 months: 100% coverage on most
  • Frames every 24 months: up to $170, then 20% off
  • Up to 25% savings on anti-reflective & UV coating
    • 100% Coverage On Standard Progressive Lenses
    • 20-25% saving on non-covered lens enhancements such as anti-reflective and UV coating
    • Single Vision, Lined Bifocal, and Lined Trifocal Lenses
  • Find Your Eye Doctor

Use the largest independent doctor network in the country plus retailers you know:

Costco Walmart VisionWorks Eyeonic

  • Exam up to $45
  • Lined Trifocal Lenses up to $65
  • Frame up to $70
  • Progressive Lenses up to $50
  • Single Vision Lenses up to $30
  • Contacts up to $105
  • Lined Bifocal Lenses up to $50
Details may vary based on start date. Upon enrollment you will receive a ‘welcome to the program’ letter then you will receive your full policy documents and ID cards. Please consult your policy as the final ultimate source of covered services and program details.
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MRTA’s TRUSTED PROVIDER OF INSURANCE: AMBA

Association Member Benefits Advisors (AMBA) specializes in providing retired educators and other public employees with quality coverage at competitive rates. We partner with more than 70 associations in 35 states and hundreds of thousands of members.