MCHCP plans are available for individuals who are:
MCHCP plans are available to individuals who are eligible for benefits from MOSERS or another retirement system whose members are grandfathered for coverage under the plan by law.
MCHCP plans are available to dependents of enrolled subscribers. Proof of Eligibility is required for enrollment to be complete. Dependents include:
Family Roll Up
Two married state employees who cover children may combine medical deductibles by participating in Family Roll Up.
New employees must enroll or waive coverage through the Statewide Employee Benefit Enrollment System (SEBES) within 31 days of hire date. Eligibility for coverage begins the first of the month after the hire date. Coverage begins on the first day of the month on or after enrollment is completed.
New hires will receive a SEBES enrollment password by email if email address is provided to their human resource/payroll representative. Otherwise, the SEBES password will be mailed to the new hire’s home address. Contact MCHCP for help accessing SEBES.
View information for New Employees
During the annual Open Enrollment period, active employees may elect coverage and/or change coverage levels for themselves and eligible dependents, effective the following Jan. 1.
Terminated vested, long-term disability, retiree or survivor subscribers may change plans during Open Enrollment, but cannot add dependents nor enroll in new coverage.
Outside of Open Enrollment, active employees may enroll themselves and/or their dependents, and non-active subscribers may enroll new dependents, when one of the following occurs:
View Change or Cancel Coverage for information on how to handle specific enrollment and change events.
Termination of Coverage
Unless stated otherwise, coverage will terminate on the last day of the month in which one of the following events happen:
Coverage cannot be terminated on the basis of health status or the exercise of rights under MCHCP's appeal procedures.
Active employee premiums are paid through payroll deduction. Extra deductions may be taken to pay for coverage depending upon the date of enrollment and the effective date of coverage. Retiree premiums are paid through benefit check deduction.
Subscribers whose premiums are not deducted from payroll or benefit check will be direct billed. Most direct billed premium payments are due on the 15th of each month. If the subscriber fails to make the necessary premium payments, coverage may terminate on the last day of the month for which full premium payment was received. The subscriber is responsible for claims submitted after the termination date.
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