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Insurance General Information

Click on the following types of insurance to quickly find information about each one:

Medical and prescription drug coverage is provided for full-time team members through Missouri Consolidated Health Care Plan (MCHCP). A new team member 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 a team member’s spouse and children. The cost of health insurance is shared between the team member and the State. MCHCP provides reduced premiums to team members who participate in the Partnership Incentive and Tobacco-Free Incentive. Current team members can access their accounts through MyMCHCP.

Team Members who enroll in the High Deductible Health Plan with Health Savings Account (HDHP with HSA) through Missouri Consolidated Health Care Plan (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 team member’s HSA.

Missouri Consolidated Health Care Plan (MCHCP) is piloting a team member health center that opened March 17, 2014. The Strive for Wellness Health Center provides convenient health care to state team members 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 coverage is provided for full-time team members through Missouri Consolidated Health Care Plan (MCHCP). A new team member 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 team member’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 team member.

Dental coverage is provided for full-time team members through Missouri Consolidated Health Care Plan (MCHCP). A new team member 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 team member’s spouse and children. MCHCP’s dental benefits have a $50 annual deductible and are limited to $2,000 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 team member.

Team Members and members' of their household may obtain no-cost and confidential counseling with Strive Employee Life & Family (SELF) that can successfully help team members 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.

Free Basic Term Life Insurance coverage, equal to one times the team member's annual salary.

Optional term life insurance available with maximum coverage of six times the team member's annual salary. Plans are also offered for spouse and dependents. Premiums paid by team member.

COBRA allows team members and their dependents to temporarily continue health insurance when coverage under Missouri Consolidated Health Care Plan (MCHCP) would otherwise end or during periods of reduced work hours. Premiums are paid by the team member.

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 and long-term care benefit.

Long-Term Disability provides partial income replacement in the event the team member becomes disabled. Premiums paid by employer.

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