Benefits After Retirement
Enrollment
• Marriage, Birth or Adoption
Life Event
• Enroll/Change/Cancel Form
• Submit Proof of Eligibility
Enrollment
Dependent : Loss of Coverage
Submit:
Enroll/Change/Cancel Form
Employer benefits end
Submit:
Proof of Eligibility
Submit:
Proof of Loss letter
Include:
Why, When, and Who
Within 60 Days from Date of Loss
Prepay Example
$150
June 30
July premium
$150
July 15
July 1st
August $300
$300/mo
August -December
premium
$1,500
prepay
September $300
October $300
November $300
December $300
Annual Leave payout
August-December prepay
Remaining payout
$2,000
$1,500
$500
What can I do
with remaining
payout $$?
If I don’t have enough to cover
the rest of the year, can I still
prepay?
Premiums
$300
$900
$0
$600
$300
Payout
Premiums
State Subsidy
State Contribution to Retiree Premium
2.5% for each FULL year of service
65% maximum subsidy up to 26 years
Based on the PPO 600 Plan
Retiree Premium
COBRA Premium
Affects members with 14 or less years of Service
COBRA Premium applied if less than Retiree Premium
Applicable for 18 months
Premiums
Survivor Coverage
Survivor Coverage is indefinite. It will stay with your
covered dependents until they part with the benefit.
Medicare.gov
800-MEDICARE
(800-633-4227)
Changes in Coverage
No copayment for
Eligibility for
medical services.
Strive for Wellness Pre-Authorizations
will end.
are now subject to
Medicare rules
If Provider accepts
Medicare Assignment
they are a Network
Provider regardless of
UMR/Aetna network
Your Express
Scripts will
convert to
Express Scripts
Medicare
Prescription Drug
Plan (PDP)
Changes in Coverage
Medicare Primary Part D Plan
No Donut Hole
No separate purchase required
Medicare Coordination
What are my options with MCHCP?
MCHCP PPO Plan
MCHCP Medicare PDP
Medicare Coordination
MCHCP PPO
Plan
Enroll in Medicare
Part A and Part B
MCHCP PPO Plans include your
Medicare Part D Prescription Plan
Medicare Coordination
Seek Supplement Plan
in the Marketplace
Enrolling in the MCHCP Medicare
PDP maintains your ties with MCHCP
MCHCP
Medicare PDP
Medicare Coordination
$183
$600
Member Pays Claim
Member Pays 20%
Medicare Pays 80%
$1500
Member Pays 10%
MCHCP Pays 10%
Medicare Pays 80%
Medicare and
MCHCP Coordinate
to pay 100%
Medicare Coordination
Medicare Supplement
Medicare Supplement plans
vary in coverage levels
Supplement Original Medicare
benefits
Does NOT include Prescription
Drug Plan.
MCHCP Secondary
Same benefits as Non-Medicare
members. If MCHCP covers it for
active state employees, it covers it
for you.
Automatically converts prescription
plan to Medicare Part D.
missouriclaim.org
800-390-3330
Reminders
Cafeteria plan participation ends, contact ASI Flex 800-659-3035
Strive for Wellness® continues for non-Medicare retirees
Annual Open Enrollment continues for MCHCP plans
SELF program continues for 18 months after retirement
Complete the Authorization to Release Protected Health Information
Thank You!
Missouri Consolidated Health Care Plan
www.mchcp.org
800-487-0771
Contact MCHCP for:
Eligibility/Enrollment, premiums, change of address, name change, or general benefit questions.
Plan contact information can be found on our website or in your Benefit Guide.