Tobacco-Free Incentive

The Tobacco-Free Incentive premium reduction of $40 per month, per person is available to: 1) active employee subscribers and their covered spouses and 2) non-Medicare retiree subscribers and their covered non-Medicare spouses. Qualifying members must be enrolled in an MCHCP medical plan, and not have the TRICARE Supplement Plan.

Members who did not receive the Tobacco-Free Incentive in 2024 (but who wish to have it in 2025) must complete the incentive enrollment process.

For the 2025 plan year, members who received the Tobacco-Free Incentive in 2024 will also need to complete the incentive enrollment process to keep that incentive for 2025.

Members who are tobacco-free — meaning they have not used tobacco in the past three months, and will not use tobacco — can complete the Tobacco-Free Promise form.

Members who are NOT tobacco-free can complete the Quit Tobacco Promise form. Members can download a Quit Tobacco Road Map through their myMCHCP account, or MCHCP will mail them one. The Quit Tobacco Road Map is a self-help guide with resources and tips to improve chances of quitting.

The incentive begins the first day of the second month after the required steps are completed. Members who complete the required steps before Nov. 30, 2024, will begin receiving the incentive on Jan. 1, 2025.

For newly eligible members, the incentive may begin on the same day that medical coverage is effective if the member completes the necessary steps, as described above, within 31 days of their medical coverage effective date. If these required steps are not completed within 31 days of the medical coverage effective date, the incentive will begin on the first day of the second month after the steps are completed.

MCHCP plans include 100% coverage for preferred quit tobacco medications and over-the-counter nicotine replacement therapy with a prescription.