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State Members

Benefit Changes

Medical Plans — Non-Medicare Members
To meet our members’ different and unique needs, MCHCP will offer three medical plans in 2019. MCHCP will continue to offer the HSA Plan with an annual health savings account contribution; a PPO 1250 Plan which will include office visit copayments; and a PPO 750 Plan. MCHCP is also adding two exciting new medical plan benefits in 2019. One is an online weight management program called Naturally Slim®. The second is online doctor visits through Teladoc®.

Medical Plans — Medicare Members
MCHCP has selected UnitedHealthcare® (UHC) to offer a Group Medicare Advantage plan for medical coverage and will continue having Express Scripts (ESI) provide a Medicare Prescription Drug Plan for prescription drug coverage. The majority of services will require a copayment and some services will be subject to deductible and coinsurance. The UHC Plan includes SilverSneakers® Fitness which has over 14,000 fitness locations. You will also have access to online doctor visits at no cost to you.

Dental Plan
MCHCP's Dental Plan will be administered by a new vendor in 2019. MetLife will offer comprehensive dental benefits through their PDP Plus network of participating providers. While most benefits remain the same, the annual benefit maximum will be increased from $1,000 to $2,000 per person per calendar year.

Member Education

Open Enrollment Webinars

MCHCP provides members a summary of benefits available in 2019. Attendees may submit questions to be answered during the presentation. To Register: Log in to myMCHCP and choose Open Enrollment from the menu bar.

Active Employee

Oct. 1, 2018 — 10:00 AM CDT
Oct. 9, 2018 — 10:00 AM CDT
Oct. 17, 2018 — 10:00 AM CDT

Non-Medicare Retiree

Oct. 1, 2018 — 1:00 PM CDT
Oct. 9, 2018 — 1:00 PM CDT
Oct. 17, 2018 — 1:00 PM CDT

Medicare Retiree

Medicare-eligible retirees, survivors, long-term disability subscribers, terminated vested subscribers and Medicare-eligible dependents

UnitedHealthcare (UHC) Group will be conducting informational meetings on the Medicare Advantage Plan. Call 844-884-1848 for more information.

Educational Videos — Available beginning October 1, 2018

MCHCP will createhas created Open Enrollment videos to educate members and explain the 2019 plan benefit options. There will beis an an Insurance 101 video that describes the terms used in the different medical plan descriptions and videos that explain the 2019 benefit options available through the HSA Plan, the PPO 1250 and the PPO 750 plans.
Members may view all the videos in a playlist available on the MCHCP YouTube page.

Also Available

Preparing for Enrollment

Open Enrollment Options

  • Enroll, change or cancel medical, dental and/or vision coverage
  • Add, change or cancel dependent coverage

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.

(Retirees) If you are not already enrolled in medical, dental and/or vision coverage, you 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.

Canceling Coverage

(Retirees) If you cancel coverage on yourself and/or your dependents, you and/or your dependents cannot enroll at a later date.


If you do not enroll during Open Enrollment and you are currently enrolled:

  • (Active and Non-Medicare retirees) In the PPO 300 or PPO 600 Plan, you will automatically be enrolled in the PPO 1250 Plan with your current carrier (UMR or Aetna)
  • (Medicare retirees) In the PPO 300 or PPO 600 Plan, you will automatically be enrolled in the Medicare Advantage Plan through UnitedHealthcare® (UHC)
  • In the Health Savings Account Plan (HSA Plan) or TRICARE Supplement Plan, you will automatically be enrolled in the same plan
  • In dental plan (now available through MetLife) or vision plan, your coverage will continue at the same level

If you do not want coverage in any or all of the plans, you must cancel your coverage during Open Enrollment.

Married Employees

If you are an active state employee married to another active state employee, you each must enroll separately. If you wish to share a family deductible and out-of-pocket maximum for your medical plan, you must each enroll in the same medical plan with the same carrier and provide your spouse’s name and Social Security number at enrollment.

Proof of Eligibility

Active Employees

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, 2018, or your dependents will not be added for coverage Jan. 1, 2019.

myPlan Advisor — available beginning Sept. 26

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. To use, log in to myMCHCP.

Medicare Advantage Plan

Starting in 2019, MCHCP has selected UnitedHealthcare® to offer a Group Medicare Advantage (PPO) plan for medical coverage and will continue having Express Scripts provide a Medicare Prescription Drug Plan for prescription drug coverage to all Medicare-Eligible Non-Active members.

Completing your Enrollment — Enroll by Oct. 31, 2018

Online

HSA Plan subscribers must enroll online

  • Log in to myMCHCP
  • Select 2019 Open Enrollment
  • Make coverage selections, and save or print your confirmation page
  • If you enroll more than once, the last enrollment will override previous ones

Fax

  • Complete your Open Enrollment worksheet
  • Sign and date the sheet
  • Fax to 866‑346‑8785

Mail

  • Complete your Open Enrollment worksheet
  • Sign and date the sheet
  • Mail to MCHCP

Strive for Wellness® Incentives

Active Employees and Non-Medicare retirees

  • Log in to myMCHCP
  • Select the Incentives icon
  • Complete the Strive for Wellness® Incentive requirements by Nov. 30, 2018, to begin receiving the Incentives on Jan. 1, 2019

Publications

2019 Benefit Guide

2019 Dental & Vision Brochure

2019 Summary of Benefits and Coverage

2019 Premiums

2019 Non-Contraception Benefit Option Premiums


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