More Than a Membership
As an MRTA member you get exclusive access to insurance coverage, travel discounts, and retirement resources through our trusted partner AMBA. Member benefits are designed specifically for Missouri’s retired educators.
Enroll online, by phone, or by mail. An agent is always available to help.
Benefits Built for Retired Educators
From dental and vision to Medicare supplement, long-term care, and more. Your MRTA membership unlocks a full suite of benefits through AMBA.
Watch to learn how your membership protects what matters most.
We've Partnered With AMBA for your Insurance Benefits
Our association works hard to protect your pension AND your insurance benefits. This is one of the main advantages of being a member and one of the main reasons we are here for you!
Thanks to our trusted partner, AMBA, members are eligible for exclusive supplemental insurance. Get special group rates on vision, home healthcare, cancer, heart, stroke, accident, life insurance, and other policies.
If you’ve had trouble getting supplemental insurance at a reasonable rate, here’s your chance! Best of all, it’s easy – you can enroll online or by phone.
Dental
- Save 20-40% with a dentist in the Ameritas Dental Network.
- Choose your own dentist – No network required.
- No Waiting Periods for covered services during open enrollment.
- Over 400,000 providers to choose from – whether home or traveling.
- Wide Range of Procedures – Covered up to 100% with a low deductible.
- High Calendar Year Maximum with ability to carry over some unused maximum to the next year.
Vision
- 20% savings on additional glasses and sunglasses.
- Choose from thousands of eye doctors nationwide, your local Walmart included.
- WellVision Exam covered every 12 months with a $15 copay.
- Prescription Eyeglasses with a $25 copay.
- Frames covered every 24 months – $150-$170 allowance, 20% savings on amount over allowance.
- Lenses covered every 12 months – single vision, bifocal, trifocal, and progressive.
- Contact Lens Exam covered every 12 months.
Medicare Supplement
Medicare doesn’t provide all the health insurance coverage you need. That’s where a Medicare Supplement plan comes in. Also known as Medigap, these plans help pay for eligible expenses not paid by Medicare and give you the freedom to use your own physician, specialist, and medical facility.
We do not offer every plan available in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.
Cancer / Heart / Stroke
Many advanced treatments that could increase your chances for cancer survival are not available locally. Travel, care, and other out-of-pocket expenses can be overwhelming.
A cancer plan will:
- Pay cash directly to you upon first diagnosis of internal cancer or malignant melanoma
- Be paid at one time in one lump sum, for you to use as you see fit
- Offer an optional heart and stroke rider for additional premium
Accident Insurance
Accident recovery typically gets more challenging with age, which could set you back financially as well as physically. This policy helps cover expenses standard medical plans might not, such as ambulance, hospital costs, intensive care, physical therapy, family lodging and transportation, and more.
Whole Life Insurance
This plan can give you the peace of mind of protecting your family from the high cost of final expenses.
Advantages include:
- No medical exam or lab tests
- No premium increase as long as you continue making payments
- No decrease in coverage due to age or health
Annuity
If you never want to get jolted by sudden changes in the stock market, then a Tax-Deferred Asset Protection may be for you. With this annuity, your income is locked in, with a guaranteed interest rate. Plus there are multiple payout options.
- Protects your investment from downturns
- Enjoy market gains without downside risk
- Offers guaranteed interest rates
- Provides income for your entire lifetime
- Liquidates penalty-free for Confinement, Terminal Illness, and Home Health Care
- From a carrier you know and trust: A+ rated by Standard & Poor’s, in business for over 133 years
Medical Transportation Protection
One ride to the hospital could cost you thousands of dollars out of pocket, and air transport could add up to $50,000 or more. Whether you are at home or away, Medical Access & Service Advantage (MASA(R)) helps ensure a medical emergency does not also become a financial emergency. It protects you from expenses Medicare and insurance plans often leave behind.
Hearing
Most insurance plans don’t cover hearing healthcare. This no-cost program provides free hearing consultations and discounts on hearing aids through a nationwide network of hearing professionals.
- Free annual consultations for you & your immediate family
- One year of free office visits (limit 6)
- Nationwide network of 3,000+ locations
- Discounts on hearing aids, tinnitus options & hearing protection products
ID / Fraud Protection
Our world continues to become increasingly connected to the Internet. While this can be incredibly convenient, it also puts some things that matter most to you at risk – your identity, money, family, reputation, and privacy. That’s where ID Protection comes in. An all-in-one digital safety net for you and your whole family includes credit monitoring, military-grade encryption, and insurance protection to help cover any eligible losses due to ID theft and fraud.
Legal Assistance
Protect yourself and your family with a legal services plan. Members can access a nationwide network of attorneys for a low monthly cost with no copays, deductibles, or claim forms.
Hospital Indemnity
It’s no secret that hospital visits can be expensive. Extended hospital stays, emergency room visits, and ambulance transportation can prove costly as well. That’s why having a supplemental hospital indemnity insurance policy could be a smart financial decision – one that provides additional protection for you and your loved ones.
Disability Insurance
The policy can pay you a monthly benefit after a waiting period when you’re unable to work due to a disability (injury or illness). Your policy can pay up to 70 percent of your income. Disability insurance can help protect your income and secure your financial future.
Professional Liability Coverage
Proliability, powered by AMBA, offers professional liability coverage tailored to the professions it protects. From medical malpractice coverage for nurses to errors and omissions coverage for business professionals, our professional liability coverage brings significant benefits to offer peace of mind – all for an affordable price.
Discounts Nationwide
Enjoy savings right from your computer at myAMBAdiscounts.com. Retirement is an adventure – why not save money along the way? As an MRTA member, you can enjoy exclusive discounts on:
- Computers & Electronics
- Household Items
- Entertainment & Dining
- Travel, Hotels & Rental Cars
- Flowers, and more
