Enrollment Opportunities

Explore your opportunities to enroll for coverage with MCHCP.

1. New Employee
2. Life Events
3. Open Enrollment

New Employee

As a new employee, you and your dependent(s) may enroll when first eligible (within the first 31 days of employment with the State). You can make changes in your coverage during the first 31 days of your hire date. Coverage is effective the first of the month following receipt of the change. After this time, you can only change plans if you have a change of address or during the next Open Enrollment period.

Life Events

You may enroll yourself and any eligible dependents within 31 days of the occurrence of a life event, such as marriage or birth/adoption of a child.

For retirees, terminated vested members or survivors, dependents must be added when first eligible (within the first 31 days of marriage, birth or adoption). If you do not elect coverage when your dependents are first eligible, you cannot enroll them at a later date.

Open Enrollment

During the annual Open Enrollment period you, as an active employee, may change plans and/or your level of coverage. If you are retired, terminated vested, on long term disability or a survivor, you may change from one plan to another during Open Enrollment but you CANNOT add dependent(s).

If Open Enrollment is over and you need to change your Open Enrollment plan selection, an appeal must be made to the MCHCP Board of Trustees by the end of January. After January 31, NO APPEALS FOR PLAN CHANGES can be made. You may change plans during the next Open Enrollment period.

As an active employee, you must enroll in a plan where you live. If a plan is available where you work, but NOT where you live, you may enroll where you work. If you are retired, terminated vested, long-term disability (LTD), survivor or COBRA subscriber, you can only enroll where you live.