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Interested Districts

Learn how OSBA can benefit your school district.

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The Ozarks Schools Benefits Association was formed to secure cost-effective benefit options for school districts within Missouri. OSBA seeks to provide school districts with an array of quality healthcare solutions coupled with a wellness program to increase each district’s health and the life span of each employee.

Employee benefits for school districts.

Does your district struggle with budgeting each year for health insurance and employee benefits? With the health insurance rates on the rise, this can be a daunting task. We have the solution!

OSBA’s defined contribution approach to employee benefits.

With OSBA’s defined contribution approach, each district can set aside an amount of money for each employee and let the employees shop from seven medical plans, a health savings account, two dental plans, and one vision plan. Why struggle with finding the right plan that fits your budget and your employees, when you can accomplish both.

Set your budget and let your employee decide what is best for their needs.

The defined contribution provides a budget-friendly solution while also giving flexibility of choice to your employees which leads to higher employee satisfaction and less stress on district administrators.

OSBA’s coverage areas.

OSBA elects representatives from each region to sit on the board for input and guidance pertinent to their region and for trust fund administration. Every district has a vote on the annual benefit plan(s) that the board presents. For a list of participating districts or references, please contact Capstone Insurors.

Employer-funded—employee choice.

The OSBA program uses a defined contribution model where each district is allowed to define a funding amount that allows the employee to shop from a host of benefit options with funding allowed to be used towards the employees choice of seven medical plans, a health savings account, two dental plans, and one vision plan. With this model, the employee is empowered to decide what plan(s) are best for their specific needs, which leads to higher employee satisfaction and less stress on the district administrators.

We offer multiple network options.

Why put up with the stress of having to choose between two networks when you can have both? OSBA leads the industry in offering a 3 tier benefit structure that provides both flexibility in provider network as well as lower deductibles, copay’s and coinsurance for employees. In Southwest Missouri, this network allows employees to use both Cox and Mercy. In addition, starting in 2018, OSBA can provide service to public school districts in both the Missouri Anthem Blue Cross Blue Shield and Aetna territories.

Access online through benefits enrollment and management.

New hire and open enrollment can be stressful. An online enrollment system will make the enrollment process and payroll processing quick, simple, and less frustrating. With OSBA’s online benefits portal, employees can enroll quickly, and payroll can manage benefits easily. OSBA also provides consolidated billing to help reduce the paper mess and multiple invoices that many payroll administrators are faced with.

Affordable Care Act compliance for school districts.

Need assistance digging your way through the new Affordable Care Act regulations? Capstone Insurors has joined efforts with Worxtime, one of the leading ACA tracking and reporting software vendors, to offer ACA compliance tools and support as an additional service to member and non-member school districts. With Capstone Insurors’ ACA Compliance for school districts, you can relax knowing that your district has a support team to help you with your ACA compliance.

Types of employee benefits coverage for school districts.

There are many benefits offered to the employers and employees of Missouri’s school districts. Find some of the many benefits you can offer your employees below.


  • Multi-employer self-funded trust.
  • Offers eight medical plans to each employee, allowing each employee to decide what is best for their needs.
  • Four PPO plans and four HSA eligible plans are available.
  • Deductibles range from $1,000-$7,000 with 80/20 and 70/30 co-insurance options.
  • Medicare supplemental and prescription drug plan options available.


  • Two self-funded dental plan options.
  • High and low dental plans each have a different maximum benefit and co-insurance amount.
  • Both dental plans include no waiting periods, no pre-existing conditions, and a maximum carryover credit allowance.


  • One vision plan available.
  • Platinum vision plan allows for an eye exam every 12 months and an allowance every 12 months for frames and lenses.
  • Allowance for progressive lenses is included in the platinum plan.


  • Employer funded life plans from $10,000 to $50,000.
  • Voluntary life and accidental death and dismemberment coverage (up to $200,000 guaranteed issue).


  • Disability
  • Accident
  • Critical Illness
  • Hospital Indemnity
  • LifeLock
  • Medical Transport Policy


  • The program focuses on four major areas: fitness, education, prevention, and healthy living.
  • Capstone Insurors’ Lifestyle Success program brings a customizable wellness program to your school to help improve your employees’ health while managing your health care costs.
Solutions you can count on.

With Capstone Insurors’ president and owner, Kevin Krueger, leading the employee benefits industry with innovative and cost-conscious solutions, your district can relax knowing that someone is finding solutions for you.

Contact our office today for a free benefits review.

Interested Districts - Female High School Teacher Standing By Student Table Teaching Lesson

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