Enrollment

Employees

MCHCP plans are available for individuals who meet their employer's eligibility criteria. A waiting period may be required by the employer.

View information for New Employees

Retirees and Survivors

MCHCP plans are available to retired subscribers and survivors as long as the public entity employer continues with MCHCP.

View information for Retirement
View information for Medicare

Dependents

MCHCP plans are available to eligible dependents of enrolled subscribers. Dependents include:

• Spouse
  Marriage must be recognized by Missouri law.
• Exceptions
• Spouses who are both employed by different MCHCP-covered public entities must elect coverage through only one employer, not both.
• Spouses who are both employed by the same MCHCP-covered public entity may elect coverage individually or under the spouse (if allowed by the employer). Members cannot be covered both individually and under their spouse's coverage.
• MCHCP-covered public entity members who are married to an MCHCP-covered state employee may elect individual coverage under their employer or coverage under their state spouse. They may not have coverage in both places.
• Children
  Dependent children are eligible for coverage through the end of the month in which they turn 26. Eligible children include:
• Natural children
• Adopted children from the date legal obligation begins for total or partial support of the child
• Stepchildren
• Foster children
• Children for whom the subscriber or spouse is the court-appointed legal guardian
• Newborn of a covered dependent, as long as the dependent continues to be covered by the subscriber
• Children for whom the subscriber or spouse is required to provide coverage under a Qualified Medical Child Support Order (QMCSO)
• Exceptions
• Children age 26 or older may continue coverage if they became permanently disabled prior to age 26. New employees may add eligible disabled dependents as long as the disability occurred prior to age 26 (documentation required).
• Children under 26 who are state employees may continue coverage under a parent's plan.
• Children may have dual coverage if the parents are divorced or have never married, and both have coverage through MCHCP. MCHCP will only pay for a service once. If a child has coverage under both parents, the child will have a separate deductible and coinsurance under each policy.