New Employee Insurance Plan Benefit Enrollment

This page is dedicated to newly hired employees eligible to participate in the City Plans, including Civilian employees working for the Police Department.

Overview

We hope that you will take the time to become familiar with the benefits available to you through the City. The Department of Personnel’s Employee Benefits Section administers the insurance plans for the City of Saint Louis:

There are a number of other voluntary insurance benefits for you to choose, such as Additional Long Term Disability, Optional Life Insurance, Dependent Life Insurance, Accidental Death and Dismemberment, Legal Insurance.

For any other items considered benefits, please contact your department payroll processor.

Getting Started

You have 30 days from your hire date to enroll in your benefits. If you miss this window, you may have to wait until Open Enrollment, or prove a Qualifying Life Event to make changes to your enrollment.

The initial action items for you as you begin your journey working for the City are the following:

  1. Review your new hire benefit enrollment packet.
    • City Employees and Civilian Police Employees, please use the City Employee Benefits Enrollment Packet.
    • Commissioned Police Officers, please use the Police Benefits Enrollment Packet.
  2. Decide which benefits are adequate to protect you and your family.
  3. Thoroughly complete your Consolidated Enrollment Form or Police Department Enrollment Form, included in the packet.
  4. If you are adding dependents to your Medical/Dental Insurance, please provide Dependent Documentation.
  5. Submit your form and Dependent Documentation directly to 
    CityEmployeeBenefits@stlouis-mo.gov
  6. Within 10 business days, you will receive your insurance cards in the mail. You can download the Anthem and Delta Dental mobile apps to have your ID cards readily available on your mobile device.

  7. Your benefits will start on the first day of the pay period following the completion of your first 30 days of continuous employment. You will see deductions on the paycheck for that pay period.
    Example: If you started on 2/23/2025, your benefits will start on 4/6/2025 and you will see the deductions on your paycheck received on 4/25/2025 (for hours worked 4/6 to 4/19).

    All premiums are biweekly, meaning you will see the premiums deducted from each paycheck.
  8. You are responsible for reviewing your paystub for accurate benefit deductions. Contact CityEmployeBenefits@stlouis-mo.gov immediately if you see anomalies or have questions.

Plan Options

Medical Insurance Plan Options

The City offers its employees three different plans for medical insurance:

City Plans (for City Employees and Civilian Police Employees)

  • High Plan
  • Low Plan
  • High Deductible Health Plan (HDHP)

Police Department Plans (for Commissioned Police Officers)

  • Base Plan
  • Buy Up Plan
  • High Deductible Health Plan (HDHP)

All plans are offered through Anthem Blue Cross Blue Shield. You can find plan information in your New Hire Enrollment Packet, Anthem booklet, and on the Medical Insurance page.

Vision and Pharmacy Coverage

A vision exam and materials, and pharmacy coverage are included in the City’s Medical Insurance. More information about these offerings can be found in your New Hire Enrollment Packet, Anthem booklet, and on the Medical Insurance page. You will use your Anthem ID card to secure services under the Vision Plan.

Life Insurance

The City automatically provides you with a basic life insurance coverage at 1x your base annual salary. This Basic Life Insurance coverage is employer provided and employer paid. This coverage is available only for eligible full-time employees. New hires must designate a beneficiary for their life insurance.

Additional coverage is available for you, your spouse and dependents. Certain additional coverage requires evidence of insurability (health questionnaire).

Cancer, Intensive Care, Short Term Disability, Accident Insurance, Hospital Indemnity, Critical Care, Dental Supplemental, and Vision Supplemental Insurance

You can contact the City Aflac or Washington National representative for voluntary policies for short term disability, accident, hospital for critical care policies.

Choosing a Plan

Each person has a different situation and should consider all options based on their own individual needs. We encourage you to thoroughly review the New Hire Enrollment Packet, Anthem booklet, and Employee Benefits website. While we cannot make decisions on your behalf, we can recommend that you consider the following information before you make your decision:

  • Your medical care needs
  • Your health care provider being within the Network
  • Deductible
  • Out-of-pocket limit
  • Copay(s)
  • Specific coverages
  • Biweekly premium

Enrolling Dependents

When you submit your Consolidated Enrollment Form you will also need to provide supporting documents for each dependent. A list of the supporting documents can be found in your New Hire Enrollment Packet as well as the Medical Insurance page. Failure to provide dependent documents will result in an Employee Only enrollment in the insurance plans.

Coverage Changes

If you opted for your medical and dental deductions on a post-tax basis, you may drop dependent coverage; you will need to fill out a consolidated enrollment and indicate drop coverage for Medical or Dental only.

If you are enrolled on a pre-tax basis, in order to request enrollment changes, you must either prove a Qualifying Life Event (Special Enrollment) or wait until Open Enrollment to make changes to your insurance.

If you qualify for a Special Enrollment, you have 31 days from the date of the event to request and document the change. Gain/loss of coverage through Medicare or Medicaid allow for 60 days to make a change.

If you are under age 26 and covered under your parents’ insurance plan, you will age out from their plan at the end of month when you turn 26. You will then have 31 days to document and report the loss of coverage to our Section in order to be enrolled in your own.

To change your name, address or W-4 tax status, please contact your department payroll processor.

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