Participation After Retirement

When you retire you may participate in an MCHCP plan, provided at the time of your termination of employment:

• You are eligible to receive a retirement benefit from your employer-sponsored retirement plan, OR meet the retirement qualifications of your Public Entity.

  AND

• You have had coverage through MCHCP since the effective date of the last Open Enrollment period,

  OR

• You have had other health insurance for the six months immediately prior to the termination of employment - proof of insurance including effective dates of coverage and termination date is required,

  OR

• You have had coverage since first eligible.

When you terminate employment, as a terminated vested subscriber or retiree, if you do not elect to continue coverage for yourself and/or your dependents, or if you terminate your medical coverage during retirement for yourself and/or your dependents, you CANNOT enroll in an MCHCP plan at a later date. However, as a retiree, you can add dependent coverage if your dependent’s employer sponsored group coverage has ended due to termination of employment or termination of group coverage by the employer. This must be done within 60 days of the loss and you must provide proof that the coverage was in effect for at least 12 months prior to the loss.