Welcome MCHCP Members!

Coverage Advisor from WebMD can help you plan ahead for health care costs and can help you make coverage choices that will meet your family’s needs effectively and affordably.

Create customized family health profiles.

First, enter the name, age, sex and location of everyone who will be covered under your plan. Then add information about their health status and any treatments or medications they’re receiving. You can select basic descriptions like “generally well“, “some health needs” or “significant health needs”. You can also include specific conditions like asthma, cancer, diabetes, pregnancy and more.

Estimate the services you’ll need.

The Coverage Advisor then gives you an estimate of your family’s healthcare needs for the coming year – doctor visits, prescriptions and more – based on people like you in your region. You can adjust this estimate to reflect your family’s typical healthcare use and any additional services you plan for the year.

Estimate out-of-pocket expenses.

The Coverage Advisor will help you compare the out-of-pocket expenses you can anticipate under different benefit plans. Additionally, it will help you understand the value of funding a Flexible Spending Account (FSA) or Health Savings Account (HSA). Finally, the Coverage Advisor will help you see the tax advantage of specific types of healthcare accounts, so you can make more informed and cost-effective decisions.

Use these links to access Coverage Advisor:

MCHCP Active Members

Monthly premiums assume that the employee and spouse, if covered, participate in the Lifestyle Ladder program. If one doesn’t participate, add $15 to the listed premium. If neither participates, add $30 to the listed premium.

MCHCP Non-Medicare Retirees

Monthly premiums assume that the retiree and spouse, if covered, participate in the Lifestyle Ladder program. If one doesn’t participate, add $15 to the listed premium. If neither participates, add $30 to the listed premium.

The premiums listed for retirees and survivors do not include MCHCP's contribution amount. To determine monthly premium, retirees and survivors should subtract their MCHCP contribution from the listed premium. For assistance in determining your monthly MCHCP contribution and premium, access the 2010 Retiree Calculator at www.mchcp.org or call MCHCP's Customer Service Department at 800-487-0771.