Participating as a Retiree

• To participate as a retiree, apply for coverage prior to your retirement but no later than 31 days after the date of your retirement. This also applies to currently enrolled terminated-vested subscribers who wish to continue coverage into retirement. If you are enrolled in a plan where you work as an active employee, when you retire, you must change to a plan that is available where you live. Coverage is effective on the date of your retirement. There can be no lapse in coverage.
• To apply for coverage, complete the Retiree Health Insurance Election (M-5) form. If you enroll under provisions of having other insurance coverage for six months, you must attach proof of the other coverage including effective dates of coverage and termination date to the Retiree Health Insurance Election (M-5) form. Return the completed form and applicable attachments directly to MCHCP.
• As a retired member, you receive a contribution towards your premium. The remainder of the premium is deducted from your retirement check. If your retirement check is not large enough to cover the premium, you are billed each month.
• If you participate in the Cafeteria Plan the year of your retirement and have your premium deducted pre-tax, you can request all payroll reductions remaining at the time of retirement be deducted from your payroll. The request must be listed on your Retiree Health Insurance Election (M-5) form and submitted at least 30 days prior to your retirement.