Participation After Retirement

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

• You are eligible to receive, now or at a later date, a monthly retirement benefit from either the Missouri State Employees’ Retirement System (MOSERS) or from the Public School Retirement System (PSRS) for state employment. PSRS retirees must provide MCHCP with a statement from PSRS which indicates the effective date of the subscriber’s retirement;

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 state employment - proof of insurance including effective date of coverage and termination date is required, OR
• You have had coverage since first eligible.

Find additional information including continuing dependent coverage during retirement.

When you terminate employment, as a terminated vested subscriber or retiree, if you do not elect 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 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 you must provide proof that the coverage was in effect for at least 12 months immediately prior to the loss. Proof of eligibility and prior coverage is required.