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It’s that time of year again! October is Open Enrollment month, the time for team members to make changes to their MCHCP Health Insurance, MOSERS Term Life Insurance, Universal Life Insurance and MO Café plans. Use September to learn more about your options and reach out to benefit providers with any questions! |
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Anthem Health Insurance: Anthem is MCHCP’s medical plan administrator for active state employees and non-Medicare retirees. HSA and PPO plans are available, and you have access to providers through the Anthem networks. With Anthem, you have coverage throughout the entire state and across the nation. Call 1-844-516-0248 if you have any questions!
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Dental Insurance: Comprehensive dental benefits include diagnostic and preventive services, basic restorative services, and major restorative services through a nationwide network of participating providers. The wait period for major restorative services is one year. Take advantage of your dental benefits and learn more here.
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Vision Insurance: The cost is paid by you and vision benefits include routine exams and allowances for lenses and frames or contact lenses. Maximize your vision benefits and learn more here. |
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Term Life Insurance: Eligible team members can increase their coverage (in increments of $10,000) up to $20,000 without proving insurability, provided their coverage amount does not exceed six times their annual salary of $800,000. Please note, this review period does not apply to spouse and child coverage. If eligible team members wish to maintain their current level of coverage, no action is required. Contact MOSERS at 800-827-1063 if you have additional questions.
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Universal Life Insurance: A universal life plan builds fund value while providing flexible life insurance coverage to meet your changing needs. Premium payments are adjustable, as is the amount of insurance coverage you select. Fund value accumulations are tax-deferred and earn a competitive rate of interest. Cost of insurance charges and expense charges are deducted each month. Want to learn more? Give MOVLIC a call at 866-668-5421.
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MO CAFÉ: A Cafeteria Plan allows you to deduct funds from your paycheck before they are taxed and use the funds to pay for state-sponsored health, dental, and vision insurance premiums, as well as put them into a Flexible Spending Account (FSA). There are three FSA options you can enroll for – a general health care FSA, an HSA-compatible limited purpose FSA, and a dependent day care FSA. When you enroll in an FSA, you will estimate the amount of qualifying expenses you will have during the plan year. You have that amount deducted from your paychecks in equal amounts throughout the year. Though your actual salary remains the same, your taxable salary as reported to the government is reduced by the amount you put into your FSA. As you incur eligible expenses throughout the plan year, you submit claims for reimbursement of your expenses. Take a look at all of the eligible expenses you can use your pre-tax funds for!
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Meet Holly! Holly was honored to receive one of the 2024 Professional Leadership and Development Awards (PLDA) from the Missouri Department of Economic Development (DED) Administrative Division. She applied her award funds towards joining the American Bar Association (ABA) and attending the ABA Dispute Resolution Section 2024 Spring Conference in San Diego. These experiences have enriched her role as DED Legal Counsel by providing valuable professional resources, continuing legal education, and insights into dispute resolution techniques across public and private sectors. Holly's participation has already translated into enhanced legal services and collaboration among the agency’s various division teams, benefitting Missouri’s economic development programs and project outcomes.
Interested in sharing your benefits story with the State of Missouri?
Reach out via email at MOBenefits@oa.mo.gov.
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Find Your In-Network Provider: Maximize Your Insurance Benefits! |
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Navigating your insurance plan can be overwhelming, but finding an in-network provider is crucial to making the most out of your coverage.
Use Anthem’s interactive provider directory to quickly locate doctors, specialists, and healthcare facilities within your network. Simply enter your zip code and the type of care you need to get started. This helps ensure you receive the highest benefits with the lowest out-of-pocket costs. Click here to start your search and take control of your healthcare today!
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