Police Retiree Benefits

Police Retirees under 65 years old, prior to eligibility to enroll in Medicare, can opt to enroll in the City Police Retiree Medical, Pharmacy and Vision Plans. The current carrier is Anthem BCBS.

Review the monthly cost of the plans here.

To enroll:

1. Complete your Retiree Enrollment Form.
2. If you are a Commissioned Retiree, also complete the PRS Pension Authorization Form if enrolling in the Retiree Buy up Plan.
3. Enrolling dependents? You will need to provide proof of dependent relationship. Document options can be found here.

Email the completed documentation to CityEmployeeBenefits@stlouis-mo.gov.

Civilian Retirees enrolling in the Buy up plan may do so but will have to pay their premiums through a third-party vendor. The vendor will issue a billing coupon booklet to help you keep up with the monthly payments.

After providing the documentation and completed required form, your enrollment will be updated and updates provided to you via email within 24 to 48 hours.

If you are a new retiree, pre-65, your active employee enrollment will end at the end of the last pay period worked; once enrolled, your retiree plan will start on the next day.

Please note that your benefits cannot be enrolled until your active employee department has processed your retirement in the City’s system of record. Should this processing cause a delay, your enrollment will need to be processed by us retroactively to your retiree coverage start date.

Once you become a retiree, your health care coverage will be handled on a monthly basis.

Once enrolled, allow for at least 10 business days for your insurance ID cards to reach you via USPS.

For claim issues, please contact the insurance carriers directly at the information on your ID card.

Police Retirees considering active employment with the City or other employer

If you accept a full-time, benefits eligible position with the City; your Retiree benefits, healthcare and life insurance, will go into suspension while your healthcare coverage is enrolled under the active employee City plans. When you retire again, you will need to contact our Section to reinstate your Police Retiree benefits.

If you accept full-time, benefits eligible position with another employer, your Retiree, pre-65 medical plan coverage could continue, but the employer offered medical plan will be considered the primary plan and the City Retiree plan will function as the secondary plan. Any claims for services will go through the primary plan first then the secondary plan when processing.

If you are post-65 and considering active full-time employment, please contact Medicare.gov for impact to your Medicare healthcare.

If you accept a position that is not full-time, with no healthcare coverage benefits, there will be no conflict with your Police Retiree Plan enrollment and you can accept the non-full time job and continue enrolled without disruption.

The Police Retiree Membership can expect an annual open enrollment for special notices and changes or the opportunity to make plan changes.

You are to contact our Section if you find yourself considering this scenario. Email us at CityEmployeeBenefits@stlouis-mo.gov.

Medicare-eligible Retirees are to enroll in Medicare Parts A and B. Once enrolled, you will be eligible to benefit from the Police Medicare Supplement Program provided by the Police division.

Retirees with Medicare eligible spouses may document and request enrollment in the Medicare Supplement Program as well.If you work full-time with another employer, you will be required to provide an employment verification letter stating that you have healthcare coverage under that employer; this will be an annual requirement for you.

Commissioned Retirees enrolling Medicare eligible dependents, may do so by completing a Police Retirement System Pension Deduction Authorization Form to authorize the monthly deductions for any dependents. There is no cost for the Retiree Only coverage.

Civilian Retirees enrolling dependents in the Medicare Supplement Program, may do so but will have to pay their dependents’ premiums through a third-party vendor. The vendor will issue a billing coupon booklet to help you keep up with the monthly payments.

Questions about this Medicare Supplement coverage should be referred to Amwins, current plan administrator, at 1-855-419-5722 (M-F, 8:00 AM – 8:00 PM, EST).

To enroll:

1. Review the current Plan Guide
2. Complete the Police Retiree Enrollment Form
3. If you are a Commissioned Retiree and are enrolling a dependent under the Police Medicare Supplement Program, you also need to complete the PRS Pension Authorization Form.

Email all the completed forms and a copy of the Medicare ID Card to CityEmployeeBenefits@stlouis-mo.gov.

Retirees can update their contact information with the City Employee Benefits Section via email to CityEmployeeBenefits@stlouis-mo.gov. Contact information includes, physical home address, telephone number and email address.

After providing the documentation and completed required form, your enrollment will be updated and updates provided to you via email within 24 to 48 hours.

If you are a new Medicare-Eligible retiree, your active employment will end at the end of the last pay period worked. Your enrollment in the Police Medicare Supplement will start on the first of the month when you confirmed your enrollment in Medicare Part B; our goal is to provide a seamless transition of benefits without any gaps in coverage. The Medicare Supplement plan is handled on a monthly basis.

Please note that your benefits cannot be enrolled until your active employee department has processed your retirement in the City’s system of record. Should this processing cause a delay, your enrollment will need to be processed by us retroactively to your retiree coverage start date.

Once you become a retiree, your health care coverage will be handled on a monthly basis.

Once enrolled, allow for at least 10 business days for your insurance ID cards to reach you via USPS.

For claim issues, please contact the insurance carriers directly at the information on your ID card.

Police Retirees considering active employment with the City or other employer

If you accept a full-time, benefits eligible position with the City; your Retiree benefits, healthcare and life insurance, will go into suspension while your healthcare coverage is enrolled under the active employee City plans. When you retire again, you will need to contact our Section to reinstate your Police Retiree benefits.

If you accept full-time, benefits eligible position with another employer, your Retiree, pre-65 medical plan coverage could continue, but the employer offered medical plan will be considered the primary plan and the City Retiree plan will function as the secondary plan. Any claims for services will go through the primary plan first then the secondary plan when processing.

If you are post-65 and considering active full-time employment, please contact Medicare.gov for impact to your Medicare healthcare.

If you accept a position that is not full-time, with no healthcare coverage benefits, there will be no conflict with your Police Retiree Plan enrollment and you can accept the non-full time job and continue enrolled without disruption.

The Police Retiree Membership can expect an annual open enrollment for special notices and changes or the opportunity to make plan changes.

You are to contact our Section if you find yourself considering this scenario. Email us at CityEmployeeBenefits@stlouis-mo.gov.

Police Retirees under the eligibility stated above are also eligible for basic life insurance provided by the City; the amount of the coverage is $3,000. Retirees are responsible for keeping their beneficiary information current and to review their beneficiary information per any life events that occur.

To enroll, complete the Retiree Enrollment Form. To make changes, use the same form but change only the beneficiary information.

Email the completed form to CityEmployeeBenefits@stlouis-mo.gov.

After providing the documentation and completed required form, your enrollment will be updated and updates provided to you via email within 24 to 48 hours.

If you are a new retiree, pre-65, your active employee enrollment will end at the end of the last pay period worked; once enrolled, your retiree plan will start on the next day.

Please note that your benefits cannot be enrolled until your active employee department has processed your retirement in the City’s system of record. Should this processing cause a delay, your enrollment will need to be processed by us retroactively to your retiree coverage start date.

Once you become a retiree, your health care coverage will be handled on a monthly basis.

Once enrolled, allow for at least 10 business days for your insurance ID cards to reach you via USPS.

For claim issues, please contact the insurance carriers directly at the information on your ID card.

Police Retirees considering active employment with the City or other employer

If you accept a full-time, benefits eligible position with the City; your Retiree benefits, healthcare and life insurance, will go into suspension while your healthcare coverage is enrolled under the active employee City plans. When you retire again, you will need to contact our Section to reinstate your Police Retiree benefits.

If you accept full-time, benefits eligible position with another employer, your Retiree, pre-65 medical plan coverage could continue, but the employer offered medical plan will be considered the primary plan and the City Retiree plan will function as the secondary plan. Any claims for services will go through the primary plan first then the secondary plan when processing.

If you are post-65 and considering active full-time employment, please contact Medicare.gov for impact to your Medicare healthcare.

If you accept a position that is not full-time, with no healthcare coverage benefits, there will be no conflict with your Police Retiree Plan enrollment and you can accept the non-full time job and continue enrolled without disruption.

The Police Retiree Membership can expect an annual open enrollment for special notices and changes or the opportunity to make plan changes.

You are to contact our Section if you find yourself considering this scenario. Email us at CityEmployeeBenefits@stlouis-mo.gov.