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Missouri Association of Rural Education

Associate Members


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Missouri Educator's Trust

Missouri Educators’ Trust (MET)


  • MET is a self-insured Employee Benefits’ Trust providing quality employee benefits at affordable prices to Missouri School Districts.
  • MET serves eighty-seven (87) Missouri School Districts representing nearly 14,800 members.
  • MET partners with Gallagher Benefit Services, a division of Arthur J. Gallagher & Co. as a consulting firm.
  • MET currently has fourteen (14) plan offerings. Preferred Provider Organization (PPO), Exclusive Provider Organization (EPO) and high deductible/HAS qualified plans. The pricing for the fourteen (14) plans is the same for all participating MET Members.
  • MET has contracts with Anthem BCBS an Aetna as its Administrative Services (ASO) network providers to server the membership statewide. MET members may choose dual or narrow network options.
  • ALL MET costs are built into the plan premium:
    • NO MET membership fees.
    • ALL ACA fees are included.
    • ASO fees are included.
    • All legal, accounting, consulting, COBRA administration, on-line enrollment administration and audit fees are included.
    • All reinsurance fees are included ($400K stop-loss).
    • MET has a “paid” contract (similar in risk to a fully-insured contract).
  • MET offers employee benefit products and individual work-site products.
  • Any Missouri School District may apply to join MET, however, every applicant is not guaranteed acceptance.


For more information or to schedule an in-person visit contact Lance Massey – MET Executive Director  - Phone: (417) 540-1583 or email: metexecutivedirector@gmail.com