Missouri Consolidated Health Care Plan

Name

Missouri Consolidated Health Care Plan

Legal name

Missouri Consolidated Health Care Plan

Website

https://mchcp.org

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Product category

Government Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114)

SIC

Hospital & Medical Service Plans (6324)

akta.pro primary industry

Group HMO Plans (FSAIAFAK)

akta.pro secondary industry

Medicare Advantage HMOs (HMO/HMO-POS) (HLAEAMAH)

Keywords

• Government health plan
• Employee health benefits
• Public sector insurance
• Medical coverage
• Retiree benefits

Headquarters

HQ city

Jefferson City

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Operations, Personnel, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Health Insurance Premiums: MCHCP generates revenue through premium payments collected from employers (state agencies and public entities) and employees/retirees. Active employee premiums are paid through payroll deduction; retiree premiums are paid through benefit check deduction or direct billing. Premium rates vary by plan type (HSA, PPO 750, PPO 1250) and coverage level (individual vs. family).

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Missouri Consolidated Health Care Plan (MCHCP) provides group health insurance coverage to employees and retirees of most Missouri state agencies and public entities that join the plan. Its core offering consists of three medical plan options (HSA Plan, PPO 750, PPO 1250) administered by Anthem, supplemented by prescription drug coverage through Express Scripts, dental benefits via Delta Dental, and vision coverage through National Vision Administrators. The plan also offers a UnitedHealthcare Group Medicare Advantage Plan for retirees, a TRICARE Supplement, and an employee assistance program (Strive Employee Life & Family).

Product overview

Missouri Consolidated Health Care Plan (MCHCP) is a state-sponsored health insurance provider offering a comprehensive portfolio of health benefit products. The core offerings include three medical plan options (HSA Plan, PPO 750, and PPO 1250) administered by Anthem, integrated prescription drug coverage through Express Scripts, dental benefits via Delta Dental, and vision coverage through National Vision Administrators (NVA). For Medicare-eligible members, MCHCP provides the UnitedHealthcare Group Medicare Advantage Plan. The plan portfolio also includes TRICARE Supplement coverage for military members and the Strive Employee Life & Family (SELF) employee assistance program through ComPsych. MCHCP supplements its core benefits with wellness programs (Strive for Wellness), digital health tools including Sydney Health, Hinge Health, Lark Diabetes Prevention Program, WINFertility, and Rx Savings Solutions. Members access their benefits through the myMCHCP secure online portal with multi-factor authentication.

Differentiator

Problem solved

Functional benefit

Brands

• Strive for Wellness: MCHCP's wellness program designed to encourage members to get and stay healthy, offering voluntary activities such as quit tobacco and weight management courses, health educator exhibits, an annual 5K event, and lower medical premiums for participation in health incentive programs.
• myMCHCP
• Strive Employee Life & Family (SELF)

Products and services

• HSA Plan A qualified high-deductible health plan paired with a Health Savings Account, allowing members to save pre-tax dollars for medical expenses. Available to State of Missouri employees and public entity members through Anthem.
• PPO 750 Plan Preferred Provider Organization plan with a $750 deductible, offering in-network and out-of-network benefits with negotiated provider rates through Anthem's network. Available to State of Missouri employees and public entity members.
• PPO 1250 Plan Preferred Provider Organization plan with a $1,250 deductible, providing comprehensive medical coverage through Anthem's network. Available to State of Missouri employees and public entity members.
• Prescription Drug Plan Integrated prescription coverage administered by Express Scripts, including home delivery pharmacy and specialty pharmacy through Accredo, available to MCHCP medical plan members.
• Dental Plan Comprehensive dental benefits including diagnostic, preventive, basic, restorative, and major services (with one-year waiting period) administered by Delta Dental through a nationwide provider network.
• Vision Plan Vision benefits including routine eye exams and allowances for lenses, frames, or contact lenses administered by National Vision Administrators (NVA) with online and mobile access.
• Medicare Advantage Plan Group Medicare Advantage Plan for Medicare-eligible MCHCP members provided through UnitedHealthcare, with prescription drug coverage via Express Scripts Medicare PDP.
• TRICARE Supplement Plan Supplemental coverage plan for military members, providing additional benefits alongside TRICARE military health insurance.
• Strive Employee Life & Family (SELF) Confidential counseling and referral service administered by ComPsych, helping active employees and their families address personal and work-related challenges at no cost.
• Strive for Wellness Voluntary wellness program offering activities including quit tobacco courses, weight management, health educator exhibits, an annual 5K event, and Partnership Incentive premium reductions for health incentive program participation.

Named customers3 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration13 records

Feature2 records

Partnerships

Six partnerships are on record, tiered core.

• AnthemcoreTechnology or IntegrationAnthem is MCHCP's medical plan administrator, providing the HSA Plan, PPO 750, and PPO 1250 plans. Members have access to Anthem provider networks including Blue Access, Blue Access Choice, and Preferred-Care Blue networks. Also provides Sydney Health mobile app for virtual care and plan access.
• Express ScriptscoreTechnology or IntegrationExpress Scripts serves as the pharmacy benefit manager (PBM) for MCHCP, handling prescription drug coverage, home delivery pharmacy services, and specialty pharmacy through Accredo. Handles clinical appeals and provides the Express Scripts member portal.
• Delta DentalcoreTechnology or IntegrationDelta Dental provides comprehensive dental benefits including diagnostic and preventive care, basic and restorative services, and major services (with one-year waiting period) through a nationwide network of participating providers.
• National Vision Administrators (NVA)coreTechnology or IntegrationNVA provides vision benefits including routine exams and allowances for lenses, frames, or contact lenses. Offers provider network access and mobile app for members.
• ComPsychcoreTechnology or IntegrationComPsych provides the Strive Employee Life & Family (SELF) program - a confidential counseling and referral service for active employees and their family members to help deal with life's challenges.
• UnitedHealthcarecoreTechnology or IntegrationUnitedHealthcare provides the Group Medicare Advantage Plan for Medicare-eligible MCHCP members. Coordinates with Express Scripts Medicare PDP for prescription drug coverage for retiree members.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• New York State Health Insurance Program (NYSHIP): NYSHIP provides health insurance to New York State and Participating Employer employees, retirees, and dependents. Comparable to MCHCP in scale and structure — a state-run employer-sponsored health plan serving public employees and retirees with multiple plan options including an HMO and Medicare-eligible coverage.
• Georgia State Health Benefit Plan (SHBP): SHBP provides group health coverage to Georgia state employees, public school employees, retirees, and dependents. Closely comparable to MCHCP in serving a state-employee captive market with multiple plan options, prescription coverage, and Medicare coordination.
• CalPERS Health Benefits Program: California Public Employees' Retirement System administers health benefits for California state and public agency employees and retirees. Like MCHCP, it is a state-statutory, employer-sponsored group health plan with a defined captive membership and similar governance.
• Texas Employees Retirement System (ERS) — HealthSelect: Texas ERS administers HealthSelect, the group health plan for Texas state employees, retirees, and dependents. Structurally very similar to MCHCP — a state entity providing employer-sponsored medical, prescription, dental, and vision benefits to a captive public-sector membership.
• Florida State Group Insurance Program: Florida's Division of State Group Insurance administers health benefits for state employees, retirees, and dependents. Analogous to MCHCP in operating a state-sponsored employer group health plan with statutory backing and similar plan design framework.
• Ohio Public Employees Retirement System (OPERS) Health Care: OPERS provides pension and health care access for Ohio public employees and retirees. Comparable to MCHCP in administering retirement-related health benefits (including Medicare-related coverage) for a captive public-sector membership under a state-statutory framework.
• Washington State Public Employees Benefits Board (PEBB): PEBB designs and administers health benefit plans for Washington State public employees, retirees, and dependents. Comparable to MCHCP in operating a state-sponsored employer group health plan with similar plan structures, third-party administrator model, and public-entity expansion potential.
• Minnesota State Employee Group Insurance Plan (SEGIP): SEGIP administers health, dental, life, and disability benefits for Minnesota state employees and dependents. Directly comparable to MCHCP as a state-level employer group health plan offering medical plans with similar third-party administrator relationships.

Broad incumbents

• Anthem: Anthem is MCHCP's medical plan administrator (HSAs, PPO 750, PPO 1250) and a leading national health insurer. While Anthem operates commercially at far greater scale than MCHCP, it serves the same employer-sponsored group health market and is the most direct operational comparator for MCHCP's medical plan design and administration.
• UnitedHealthcare (Group Retiree Solutions): UnitedHealthcare administers MCHCP's Group Medicare Advantage Plan and is a leading national carrier of group retiree health benefits. While a commercial insurer, its public-sector and public-retiree group business directly competes for the same category of state-government Medicare-eligible membership MCHCP serves.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/user/MCHCP
• Facebookfacebook.com/mchcp
• Xx.com/MCHCP

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Missouri Consolidated Health Care Plan