Retirement Benefits - Transferring Coverage

If you are a retiree of the State, and your spouse is also either an active State employee or a retiree of the State, you may transfer coverage from under your own to your spouse’s or from under your spouse’s to your own coverage (provided both are eligible for coverage through MCHCP). This may be done at any time during the year that is financially advantageous for you. However, coverage must be continuous. If you terminate coverage at any time, you cannot enroll at a later date.

If you are married to a State employee covered under the Missouri Departments of Conservation, Highway Patrol or Transportation (MoDOT) and 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 retiree or terminated vested subscriber, 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.