Coverage During a Layoff

If you are on a leave due to a layoff, you can elect to continue to participate in MCHCP for a maximum of 24 months. You are responsible for paying the required premium amount for coverage for both yourself and your eligible dependents. Premium amount is based on the Leave of Absence rate. Recertification of your status by your employing department is required at least every 12 months.

If you are an active State employee, placed on layoff, and are married to a State subscriber, you may transfer under your spouse’s coverage. If, at a later date, you wish to be covered individually and are eligible to do so, you may make that change as long as coverage is continuous. The change can be made any time it is financially advantageous.

Once you are eligible for other health benefits as an employee of another company, eligibility under this plan ends. If your participation in an MCHCP plan terminates and you are later recalled to State service, you are considered a new employee for eligibility purposes of MCHCP.