Note: Information in the 2026 SPD for each plan will vary from the information in the 2025 SPDs. Therefore, the 2025 SPDs should not be relied upon to determine plan benefits effective January 1, 2026. Summary Plan Descriptions for 2026 will be available in 2026.
2025 Summary Plan Descriptions (SPDs)
Medical insurance plans
- Healthy Savings Plan
- Custom Network Plan
- PPO Plan (includes UMKC tiered feature)
- Retiree Healthy Savings Plan
- Retiree Health PPO
- Medicare Advantage Plans (Base and Enhanced)
Dental, vision, tax-favored accounts
Life and disability insurance
- Basic and Additional Life
- Dependent Life
- Long Term Disability
- Short-Term Disability
- Accidental Death and Dismemberment
Other benefits
Retirement
2026 Summary Plan Descriptions (SPDs)
Medical insurance plans
- Healthy Savings Plan
- PPO Plan
- Columbia Custom Network Plan
- Kansas City Core Network Plan
- Rolla Surest Plan
- St. Louis Core Network Plan
- Retiree Healthy Savings Plan
- Retiree Health PPO
- Medicare Advantage Plans (Base and Enhanced)
Dental, vision, tax-favored accounts
- Dental
- Vision
- Flexible benefits
Life and disability insurance
- Basic and Additional Life
- Dependent Life
- Long Term Disability
- Short-Term Disability
- Accidental Death and Dismemberment
Other benefits
- Employee Assistance Program
Retirement
- Defined Contribution (DC) Plan
- Hybrid Plan
- Defined Benefit (DB) Plan
- Voluntary Retirement Plans
Reviewed 2025-09-25
