Employees of the state of Mississippi are eligible to participate in the State and School Employees’ Life and Health Insurance Plan. The Mississippi Department of Finance and Administration handles the day-to-day administration of the plan through the Office of Insurance. The plan is a self-insured plan which currently holds a contract with Blue Cross/Blue Shield of Mississippi. More information about the specifics of the Plan may be found at the Department of Finance and Administration website.
An employee is eligible to enroll in the plan if he/she participates in the state of Mississippi Retirement Plan and works more than 20 hours per week for 12 months or its equivalent. All employees must enroll in the plan or waive coverage. Enrollment in the plan is effective on an employee’s first day of employment; however, an employee must complete his/her enrollment paperwork within 31 days of his/her hire date. Additionally, there is an annual Open Enrollment period every October for coverage effective the following January 1.
Benefits of the State and School Employees’ Life and Health Insurance include the following:
- Network Health Plan which:
*provides for In-Network and Out-of-Network coverage.
*provides for Out-of-Area Participants (living outside the state of Mississippi).
- Well-Child Care.
- Emergency Care.
- Specialty Services not available In-Network (may be approved through Utilization Review).
- Lifetime Maximum Benefit of $1,000,000.
- Prescription Drug Plan.
- High deductible option which qualifies for HCRA plans.