MCHCP and myMCHCP web services may experience interruptions as we perform system maintenance, today July 13. We expect all work to be completed by 6pm.
Retirement
Planning to Retire?
Log in to myMCHCP to view information and resources, including
- our Ready to Retire document for important information about retirement,
- the online Retirement eForm, and
- important information about premiums and other options affecting your retirement plans.
Employees may participate in an MCHCP plan at retirement if eligible to receive a monthly retirement benefit from either the Missouri State Employees' Retirement System (MOSERS) or another retirement system whose members are grandfathered for coverage under the plan by law. MCHCP members who are employees of a state-sponsored college or university covered under the Plan should check with their employer to see if MCHCP retiree coverage is included as a benefit to employees.
Retirees and their dependents may continue their existing MCHCP coverage or may elect coverage by providing:
- Proof of other coverage for six months immediately prior to retirement, and
- Proof of eligibility for dependents.
Retirees whose spouse is an active state employee or a retiree with MCHCP coverage may transfer to spouse's coverage. They may transfer back to their own coverage at a later date as long as coverage is continuous. Dependents may be enrolled in subscriber’s current plans at a later date within 31 days of a life event (Marriage, Birth or Adoption [or placement of adopted child]) or 60 days of loss of MO HealthNet or Medicaid coverage or Loss of employer-sponsored group coverage with proof of 12 months of coverage immediately prior to the loss.
If the retiree or dependent is Medicare-eligible, they will be automatically enrolled in the UnitedHealthcare (UHC) Group Medicare Advantage Plan for medical coverage and Express Scripts Medicare Prescription Drug Plan (PDP) for prescription drug coverage. Members without Medicare will remain in the non-Medicare HSA or PPO plans.
Premiums
The retiree premium is based on years of service with the state at retirement. The state contribution is calculated by using the number of full years of service as reported by MOSERS or another retirement system multiplied by 2.5 percent. The contribution for non-Medicare retirees is based on the PPO 1250 Plan premium with the tobacco-free incentive and wellness premium. The contribution for Medicare retirees is based on the Medicare Advantage Plan total premium. The maximum state contribution cannot exceed 65 percent.
