Access to MCHCP

Are you a Missouri state employee married to:

• Another Missouri state employee?
• A Missouri state retiree?
• A public entity employee?

Check into these rules which apply to coverage.

If you are an active State employee and you are married to another active State employee, you must enroll individually. You are not able to enroll under one another’s coverage.

If you are a State employee eligible for coverage through MCHCP and you are married to a public entity employee eligible for coverage through MCHCP, you may be covered individually OR under one of the employers. However, you cannot have coverage both places.

If you are an active State employee married to a State retiree or if you are a State retiree married to a State retiree (provided both are eligible for coverage through MCHCP), you may be covered separately or together.

If you are a State employee covered by MCHCP and are married to a State employee covered under the Missouri Departments of Conservation, Highway Patrol or Transportation (MoDOT), you must be covered separately. However, if you wish to cover your spouse under the MCHCP plan when you retire, you must elect coverage for your spouse at the time you retire. Your spouse cannot be enrolled at a later date, even if it is financially beneficial to do so. However, as a terminated vested subscriber or 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 the coverage must have been in effect for at least 12 months immediately prior to the loss.

Example: You are employed by the Department of Corrections and your spouse is retired from the Department of Conservation. You elect coverage only for yourself when you retire. Your spouse can be added to your coverage at a later date when his/her employment ends with the Department of Conservation.