Open Enrollment for City of St. Louis Employees

Instructions

• Visit the City employee medical forms page or the Police Division medical forms page to find enrollment forms.
• If you are making NO changes, there is NO action required from you.
• If you are adding dependents to coverage, complete the required enrollment form and provide dependent proof.
• If you are removing dependents from coverage, complete the required enrollment form.

Coverage will be effective June 30, 2024. Deductions will display on the pay stub dated July 19, 2024.

Plan Information

Medical Plans

The City of St. Louis will continue to offer employees medical insurance and vision insurance coverage through Anthem Blue Cross and Blue Shield and pharmacy benefits through Express Scripts for the next fiscal year. There will be no changes to the plan design to the coverage under the medical plans; the bi-weekly insurance premium rates will go through an increase for plan year 2024-2025. Please refer the medical insurance pages to view the bi-weekly rates.

Vision Plan

Eyeglasses and contact lenses are now covered. You can buy eyewear from the Anthem network eye doctor or from a variety of popular regional and national stores, such as LensCrafters, Pearle Vision, Target Optical Plus, you will have access to online providers including Glasses.com, ContactsDirect, 1-800 CONTACTS, and Ray-Ban.com. The details of this new benefit are included in the annual Anthem booklet.

Condition Care Management

You will be eligible for assistive devices and coach support covering multiple condition care including Diabetes, Hypertension, Musculoskeletal and Weight Management. This benefit provides a state-of-the-art program with access to one-on-one health coaching, specialist support, and smart devices to help you lose weight, manage diabetes, lower blood pressure, and treat joint and muscle pain.

See how the Omada Health Program for City employees can help you.  It only takes a few minutes to get started.  Smart devices included are Continuous Glucose Monitors (CGM); blood glucose meter; blood pressure monitor or smart scale.

Dental Plans

We will continue to offer dental coverage through FCL Dental Source (City Plans Only) and the Delta Dental of Missouri Plans. There will be NO change in the premium contributions for the Dental plans this year and there will be no change in dental benefits in either plan.

Life Insurance

Optional Life/Accidental Death and Dismemberment (AD&D) Plans

City and Police Division Life Insurance benefits which include the employer-provided Basic Life; in addition to the employee elected Optional Life, and Accidental Death and Dismemberment (AD&D) will have NO change in premiums and the benefits will remain the same.

Optional Dependent Life Insurance

The new optional dependent life insurance program was put into place during the last plan year, effective on June 18, 2023. The optional dependent life insurance for a spouse or domestic partner coverage is available from the default amount of $50,000 up to a maximum amount of $250,000, in increments of $25,000. Coverage above $50,000 require a health questionnaire to be completed.  The premium for this coverage will be based on your age (the employee’s) using the current Employee Optional Life rates. 

The optional dependent life insurance for children is set to a coverage of $20,000 for any number of eligible children enrolled from birth to age 25.  No health questionnaire is required for this coverage. The bi-weekly rate for the dependent child optional life will be $1.50, regardless of the number of children you enroll.

You may choose to elect Spouse Coverage, Child(ren) Coverage or both.

Long Term Disability Plans

There will be NO increase in the rates for the LTD Buy Up plan.

Additional Policies

• Cancer, Intensive Care, Short Term Disability, and Accident Insurance
• Legal Insurance