For information about Enrollment Periods, including Open Enrollment, visit Enrollment.
2025 Open Enrollment in myMCHCP Videos
2025 Open Enrollment education videos will be added before the beginning of Open Enrollment.
Plan Education Videos
MCHCP has videos to educate members and explain the plan benefit options.
myMCHCP Demonstrations Available
myPlan Advisor
Active Employees and Non-Medicare Retirees
Unsure which plan is right for you? The myPlan Advisor tool can estimate your annual costs for each MCHCP plan. - Available beginning Sept. 18To use, log in to myMCHCP.
Open Enrollment Webinars
Medicare Retiree
Medicare-eligible retirees, survivors, long-term disability subscribers, terminated vested subscribers and Medicare-eligible dependents
UnitedHealthcare (UHC) Group will be conducting meetings available by phone and Webex on the Medicare Advantage Plan. To view the schedule, visit the UHC website, select Enrollment Information, and select Open enrollment meeting schedule (pdf).
Call 844-884-1848 for more information or visit www.uhcretiree.com/mchcp.
2025 Express Scripts Formularies
Open Enrollment Options
Adding Coverage
To enroll dependents, you must also be enrolled in the plan(s) and provide proof of eligibility for each dependent, if not previously submitted. You may enroll in different levels of coverage for medical, dental and vision plans. Proof of eligibility is due by November 20, 2024.
Retirees who are not already enrolled in medical, dental and/or vision coverage, cannot enroll in these plans during Open Enrollment. New dependents may only be added due to a life event. View Enrollment for more information.
Transferring Coverage
If you are a retiree and your spouse is either an active state employee or retiree, you may transfer to your spouse’s coverage or from your spouse’s coverage to your own as long as you are both eligible for coverage through MCHCP. You may transfer to either plan at any time it is advantageous to you, as long as coverage is continuous.
If you do not enroll during Open Enrollment and you are currently enrolled:
Married Employees
If you are an active state or Lincoln University employee married to another active state or Lincoln University employee, you each must enroll separately. If you cover children and wish to share a family deductible and out-of-pocket maximum for your medical plan, you must each enroll in the same medical plan and provide your spouse’s name and Social Security number at enrollment.
Lincoln University Employees
You can find information about plan options in the State Employee Enrollment Guide which includes Lincoln University Employees.
Flexible Spending Account
The State of Missouri offers a Flexible Spending Account (FSA) to active state employees, administered by ASI Flex. Employees are auto-enrolled to allow premiums to be deducted pretax. Employees in a PPO plan may enroll in the health care FSA, and employees in the HSA Plan can choose to enroll in a dental/vision FSA in addition to their HSA. Visit www.mocafe.com to learn more, and to set your contribution elections for next year.
Canceling Coverage
If you have coverage in any of the plans in 2024, and you do not want to continue it in 2025, you must cancel the coverage you do not want during Open Enrollment.
Retirees and their dependents who cancel coverage cannot re-enroll at a later date.
Online
(New HSA Plan subscribers must enroll online)
Fax
HSA Central
Payroll deductions are set to $0 at the end of each calendar year. If you wish to continue to contribute to your HSA account through payroll deduction for 2025, you can elect an amount through the Open Enrollment process or by selecting Coverage, the Future Coverage tab, and Edit next to the Optional Payroll Deduction amount in myMCHCP.
Strive for Wellness® Incentives
Active Employees and Non-Medicare retirees
Proof of Eligibility
MCHCP requires proof of eligibility for covered dependents; for example, a birth certificate for your child or marriage license for your spouse. If you add dependents to your coverage during Open Enrollment, MCHCP must receive proof of eligibility by Nov. 20, 2024, or your dependents will not be added for coverage Jan. 1, 2025.
How do I submit Proof of Eligibility?
You can upload a PDF or JPG file of the proof of eligibility from your myMCHCP account. Go to the Upload Center, select Proof of Eligibility, and follow the instructions. If do not have a PDF or JPG file of your proof of eligibility, you can fax it to 866-346-8785 or mail it to MCHCP at PO Box 104355, Jefferson City, MO 65110-4355 or you can drop it off at our office. Be sure when you fax or mail it to include your identification (Name and MCHCP ID or Social Security number) with it, so we know it is for your dependent(s).
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