Medical Plans

State Employees

Compare Plans for the 2026 Plan Year

MCHCP offers different HSA and PPO plans to fit a variety of budgets and health care needs. They include medical coverage administered by Anthem, and prescription drug coverage administered by Express Scripts. Each option offers the same nationwide networks. You can access non-network providers, too. Network preventive services are paid at 100%.

The HSA Plans are qualified high-deductible plans that can help you save money by giving you access to a health savings account (HSA). On the HSA Plan, you will pay all medical and prescription drug expenses until your individual deductible is met — then you will usually pay coinsurance.

MCHCP offers PPO plans with the plan names representing the individual deductible amounts associated with them. Under our PPO plans, most services are subject to deductible and coinsurance. Some of the plans also include the added benefit of office visit copayments not subject to deductible and coinsurance. There are also some services covered at no cost to MCHCP members.

2026 Enrollment Guide 2026 Summary of Benefits and Coverage

Medical Plans Overview

Health Savings Account (HSA) Plan Health Savings Account (HSA) Plan PPO 1250 Plan PPO 1250 Plan PPO 750 Plan PPO 750 Plan
Benefit Description Network Non-Network Network Non-Network Network Non-Network Network Non-Network Network Non-Network Network Non-Network
Deductible (must meet deductible before coinsurance) Health Savings Account (HSA) Plan
Network $1,800/Individual
$3,600/Family		 Non-Network $3,300/Individual
$6,600/Family		 Health Savings Account (HSA) Plan
Network $1,800/Individual
$3,600/Family		 Non-Network $3,300/Individual
$6,600/Family		 PPO 1250 Plan
Network $1,250/Individual
$2,500/Family		 Non-Network $2,500/Individual
$5,000/Family		 PPO 1250 Plan
Network $1,250/Individual
$2,500/Family		 Non-Network $2,500/Individual
$5,000/Family		 PPO 750 Plan
Network $750/Individual
$1,500/Family		 Non-Network $1,500/Individual
$3,000/Family		 PPO 750 Plan
Network $750/Individual
$1,500/Family		 Non-Network $1,500/Individual
$3,000/Family
Medical Out-of-Pocket Maximum Health Savings Account (HSA) Plan
Network $5,400/Individual
$10,800/Family		 Non-Network $9,900/Individual
$19,800/Family		 Health Savings Account (HSA) Plan
Network $5,400/Individual
$10,800/Family		 Non-Network $9,900/Individual
$19,800/Family		 PPO 1250 Plan
Network $3,750/Individual
$7,500/Family		 Non-Network $7,500/Individual
$15,000/Family		 PPO 1250 Plan
Network $3,750/Individual
$7,500/Family		 Non-Network $7,500/Individual
$15,000/Family		 PPO 750 Plan
Network $2,250/Individual
$4,500/Family		 Non-Network $4,500/Individual
$9,000/Family		 PPO 750 Plan
Network $2,250/Individual
$4,500/Family		 Non-Network $4,500/Individual
$9,000/Family
Preventive Services Health Savings Account (HSA) Plan
Network MCHCP pays 100%		 Non-Network 40% coinsurance Health Savings Account (HSA) Plan
Network MCHCP pays 100%		 Non-Network 40% coinsurance PPO 1250 Plan
Network MCHCP pays 100%		 Non-Network 40% coinsurance PPO 1250 Plan
Network MCHCP pays 100%		 Non-Network 40% coinsurance PPO 750 Plan
Network MCHCP pays 100%		 Non-Network 40% coinsurance PPO 750 Plan
Network MCHCP pays 100%		 Non-Network 40% coinsurance
Office Visit Health Savings Account (HSA) Plan
Network 20% coinsurance		 Non-Network 40% coinsurance Health Savings Account (HSA) Plan
Network 20% coinsurance		 Non-Network 40% coinsurance PPO 1250 Plan
Network Primary Care or Mental Health: $25 copayment

Specialist: $40 copayment

Chiropractor: $20 copayment or 50% of total cost of service, whichever is less		 Non-Network 40% coinsurance PPO 1250 Plan
Network Primary Care or Mental Health: $25 copayment

Specialist: $40 copayment

Chiropractor: $20 copayment or 50% of total cost of service, whichever is less		 Non-Network 40% coinsurance PPO 750 Plan
Network 20% coinsurance		 Non-Network 40% coinsurance PPO 750 Plan
Network 20% coinsurance		 Non-Network 40% coinsurance
Virtual Care through Sydney Health, Hinge Health, and Lark’s Virtual Diabetes Prevention Program Health Savings Account (HSA) Plan
Network MCHCP pays 100%		 Non-Network N/A Health Savings Account (HSA) Plan
Network MCHCP pays 100%		 Non-Network N/A PPO 1250 Plan
Network MCHCP pays 100%		 Non-Network N/A PPO 1250 Plan
Network MCHCP pays 100%		 Non-Network N/A PPO 750 Plan
Network MCHCP pays 100%		 Non-Network N/A PPO 750 Plan
Network MCHCP pays 100%		 Non-Network N/A
Urgent Care Health Savings Account (HSA) Plan
Network 20% coinsurance		 Non-Network Paid as Network Benefit Health Savings Account (HSA) Plan
Network 20% coinsurance		 Non-Network Paid as Network Benefit PPO 1250 Plan
Network $50 copayment		 Non-Network Paid as Network Benefit PPO 1250 Plan
Network $50 copayment		 Non-Network Paid as Network Benefit PPO 750 Plan
Network 20% coinsurance		 Non-Network Paid as Network Benefit PPO 750 Plan
Network 20% coinsurance		 Non-Network Paid as Network Benefit
Emergency Room Health Savings Account (HSA) Plan
Network 20% coinsurance		 Non-Network Paid as Network Benefit Health Savings Account (HSA) Plan
Network 20% coinsurance		 Non-Network Paid as Network Benefit PPO 1250 Plan
Network $250 copayment plus 20% coinsurance 		Non-Network Paid as Network Benefit PPO 1250 Plan
Network $250 copayment plus 20% coinsurance		 Non-Network Paid as Network Benefit PPO 750 Plan
Network $250 copayment plus 20% coinsurance		 Non-Network Paid as Network Benefit PPO 750 Plan
Network $250 copayment plus 20% coinsurance		 Non-Network Paid as Network Benefit
Hospital (Inpatient) Health Savings Account (HSA) Plan
Network 20% coinsurance		 Non-Network 40% coinsurance Health Savings Account (HSA) Plan
Network 20% coinsurance		 Non-Network 40% coinsurance PPO 1250 Plan
Network $200 copayment plus 20% coinsurance		 Non-Network $200 copayment plus 40% coinsurance PPO 1250 Plan
Network $200 copayment plus 20% coinsurance		 Non-Network $200 copayment plus 40% coinsurance PPO 750 Plan
Network $200 copayment plus 20% coinsurance		 Non-Network $200 copayment plus 40% coinsurance PPO 750 Plan
Network $200 copayment plus 20% coinsurance		 Non-Network $200 copayment plus 40% coinsurance
Lab and X-ray Health Savings Account (HSA) Plan
Network 20% coinsurance		 Non-Network 40% coinsurance Health Savings Account (HSA) Plan
Network 20% coinsurance		 Non-Network 40% coinsurance PPO 1250 Plan
Network 20% coinsurance		 Non-Network 40% coinsurance PPO 1250 Plan
Network 20% coinsurance		 Non-Network 40% coinsurance PPO 750 Plan
Network 20% coinsurance		 Non-Network 40% coinsurance PPO 750 Plan
Network 20% coinsurance		 Non-Network 40% coinsurance
Surgery Health Savings Account (HSA) Plan
Network 20% coinsurance		 Non-Network 40% coinsurance Health Savings Account (HSA) Plan
Network 20% coinsurance		 Non-Network 40% coinsurance PPO 1250 Plan
Network 20% coinsurance		 Non-Network 40% coinsurance PPO 1250 Plan
Network 20% coinsurance		 Non-Network 40% coinsurance PPO 750 Plan
Network 20% coinsurance		 Non-Network 40% coinsurance PPO 750 Plan
Network 20% coinsurance		 Non-Network 40% coinsurance

* MCHCP will annually contribute to the HSAs of active employees $500 for individual coverage and $1,000 for family coverage.
* For the HSA Plan Medical Out-of-Pocket Maximum: Any individual family member need only incur a maximum of $8,500 before the plan begins paying one hundred percent (100%) of covered charges for that individual.

Missouri state law, Section 191.724, RSMo, allows a person the right to decline or refuse coverage for contraception if these items or procedures are contrary to an employee’s religious beliefs or moral convictions.

Medical Plan Videos

MCHCP has created videos to help explain insurance terms and descriptions, and to educate members about our medical plan benefit options.

MCHCP is constantly evaluating the best way to communicate with its members. MCHCP currently utilizes Google’s YouTube service to host informational videos. We understand that not all state agencies allow content from YouTube through their approved content web filters. Please see your respective IT department for help in gaining access to our video content or review them from a device connected by a non-state internet service provider.

Office

832 Weathered Rock Court
Jefferson City, MO 65101
Get directions.

Mail

PO Box 104355
Jefferson City, MO 65110-4355

Phone

Operator: 573-751-8881
Member Services: 573-751-0771 / 800-487-0771
Relay Missouri: 711 / 800-735-2966 TTY

Fax

State: 866-346-8785
Public Entity: 800-834-5181

Member Services

Mon-Fri
Phone:
8:30 am - 12:00 pm
& 1:00 - 4:30 pm
Office:
8:00 am - 4:30 pm

Closed on all state and federal holidays

Careers at MCHCP

MoCareers is the job portal for employment within Missouri state government, offering diverse, full-time positions across various departments, including the Missouri Consolidated Health Care Plan (MCHCP). To view job openings with MCHCP on MoCareers go to the job search page.

©2024 Missouri Consolidated Health Care Plan. All Rights Reserved