MO Project: Contextual Branding

Insurance General Information

Health Insurance: Medical and prescription drug coverage is provided for full-time employees through Missouri Consolidated Health Care Plan (MCHCP). A new employee may enroll in MCHCP within 31 days of hire and coverage will begin on the first day of the month after enrollment. Coverage is also available for an employee’s spouse and children. The cost of health insurance is shared between the employee and the State. MCHCP provides reduced premiums to employees who participate in the Partnership Incentive and Tobacco-Free Incentive.

Health Savings Account (HSA): Employees who enroll in the High Deductible Health Plan with Health Savings Account (HDHP with HSA) through MCHCP will open an HSA at Central Bank and can make contributions to the account up to allowed maximum contribution limits. An HSA allows HDHP members to pay for qualified medical expenses with pretax dollars. Any amounts not spent during the year can roll over to be used for the next year’s qualified medical expenses. MCHCP also contributes to each participating employee’s HSA.

Strive for Wellness Health Center: MCHCP is piloting an employee health center that opened March 17, 2014. It provides convenient health care to state employees enrolled in an MCHCP medical plan. Located on the 4th floor of the Truman Building in Jefferson City, the health center is staffed by an Advanced Registered Nurse Practitioner and two Medical Assistants. To learn more or to schedule an appointment, visit www.mchcp.org and log in to myMCHCP or call 573-526-3175 (TTY 573-526-3180).

Vision Insurance: Vision coverage is provided for full-time employees through MCHCP. A new employee may enroll in MCHCP within 31 days of hire and coverage will begin on the first day of the month after enrollment. Coverage is also available for an employee’s spouse and children. MCHCP offers basic and premium vision plans with specific copayments for services from network providers and allowances for use of non-network providers. The cost of vision insurance is paid by the employee.

Dental Insurance: Dental coverage is provided for full-time employees through MCHCP. A new employee may enroll in MCHCP within 31 days of hire and coverage will begin on the first day of the month after enrollment. Coverage is also available for an employee’s spouse and children. MCHCP’s dental benefits have a $50 annual deductible and are limited to $1,000 annually per person. Coverage includes preventive services covered at 100%, basic services at 80% and major services at 50%. The cost of dental insurance is paid by the employee.

Strive Employee Life & Family (SELF): Employees and members' of their household may obtain no-cost and confidential counseling that can successfully help employee and house members deal with life challenges. SELF can assist with stress, parenting, alcohol and drug abuse, mental problems, anxiety, depression, legal issues, identify theft, and financial concerns. Information and access are available 24 hours a day, every day of the year.

Basic Life Insurance: Free term life insurance coverage, equal to one times employee's annual salary.

Optional Life Insurance: Optional term life insurance available with maximum coverage of six times member annual salary. Plans are also offered for spouse and dependents. Premiums paid by employee.

COBRA: Employees and their dependents may temporarily continue health insurance when coverage under MCHCP would otherwise end or during periods of reduced work hours. Premiums are paid by the employee.

Workers' Compensation: Protection paid by the state against work-related accidents or illnesses provided immediately upon employment and so long as employed.

Universal Life Insurance: Life insurance and long-term care benefit.

Long-Term Disability: Provides partial income replacement in the event the employee becomes disabled. Premiums paid by employer.