Benefit Guide

Core Benefits

Enjoy comprehensive medical and prescription drug coverage through United Health Care (UHC). Offering in-network and out-of-network options to suit your needs, affordable bi-weekly contributions, and a range of medical services, UHC ensures your peace of mind while managing your health and finances seamlessly.

Review your medical plans

Even if you have 20/20 vision, an annual eye exam checks the health of your eyes and can detect other health issues.
If you do need glasses or contacts, vision coverage helps with the cost.
Your vision checkup is fully covered after your Exam copay. After any Materials copay, the plan covers frames, lenses, and contacts as described below. St. Louis County also offers the additional plan option for prescription Safety Glasses.

Review your vision plans

The County dental plan allows you to go to any dentist you like, but
you will save money when you utilize in-network providers. The MetLife PDP Plus network offers you the deepest discounts. You always pay the deductible and copayment ($). The coinsurance (%) shows what you pay after the
deductible, if applicable.

Review your dental plan

Health Savings Accounts & Flexible Spending Accounts are great ways set aside money pretax for allowed expenses reducing your out of pocket cost for medical care, prescriptions, vision & dental expenses, childcare, school programs and more. It is important to understand the restrictions each type of plan has so you can make them work hard for you.

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Life and AD&D

Life, Accidental Death and Dismemberment (AD&D) and can fill a number of financial gaps for a family recovering from an illness, injury or worse. After a loss of income, many families have to reduce their standard of living.

Critical Illness

Managing the emotional cost of serious illnesse is hard enough. Managing the financial costs can be overwhelming. This provides a lump-sum payment upon diagnosis of a covered condition to help ensure you and your family have financial support you need.

Hospital Indemnity

Unexpected hospital stay expenses quickly add up. Hospital indemnity insurance provides you a benefit for a covered event that can help cover the costs you might not anticipate so you can focus more on recovering and less on how much the next test is going to cost.

Disability

Most people underestimate the likelihood of being disabled at some point in their life.
Disability insurance replaces part of your pay while you are unable to work so you have a continuing income for living expenses.

Accident

When unexpected injuries lead to unexpected expenses, your accident insurance can provide money to help pay for expenses such as medical bills, transportation costs and childcare expenses.

ID Theft

Protect your identity and privacy. With IDShield, you will receive monitoring of your personal information, credit, social media accounts, and more. If your identity is compromised, it will be restored on your behalf by licensed private investigators.

Pet Insurance

Save 25% on all in-house medical services at participating vets, no exclusions! Also save up to 40% off on products you’re already buying for your pets, including prescriptions, preventatives, food, treats, toys and more!

Home and Auto Insurance

Your home, its contents, and your car would be expensive, perhaps even unaffordable, to replace. St. Louis County has partnered with Travelers to provide you with access to special group rates on home, renters, and auto insurance.

Legal

MetLife Legal Plans makes it easy to get the legal help you need throughout your life with no copays, deductibles or claim forms when using a network attorney for a covered matter.

Wellbeing & Balance

Being well involves more than just using your healthcare plans. Wellness is
a daily commitment to eating healthy, staying active, managing stress and
maintaining balance.
With this in mind, we’ve created an integrated wellness program to help
you create healthy habits and reach your highest level of well-being.

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As a St. Louis County full or part-time employee, you are eligible for
a special employee benefit program which offers an opportunity for
you to save money for your retirement and to reduce your current
tax liability at the same time. This program is called a Deferred
Compensation (457) Plan – a voluntary pre-tax savings plan
available under Section 457 of the IRS Code.

You may enroll in the Deferred Compensation Plan at any time. St.
Louis County Government offers this benefit through Voya Financial.

There are times when everyone needs a little help or advice, or assistance with a serious concern. The EAP through ComPsych Corporation can help you handle a wide variety of personal issues such as emotional health and substance abuse; parenting and childcare needs; financial coaching; legal consultation; and eldercare resources.

Best of all, contacting the EAP is completely confidential, free and available to any member of your immediate household.

Learn More

Permanent full-time employees working 30 hours or more will be enrolled in the County’s Retirement Plan. Full County retirement benefits are payable at the Plan’s normal retirement age of 65 or if the employee’s age and years
of service combined equal a sum of 80. Reduced benefits may begin as early as age 55 for employees with sufficient years of service under the Plan. There is a deferred vested pension for employees who leave St. Louis County after five years of service. St. Louis County pays the full cost of the Retirement Plan. County employees are also covered by Social Security.

Call our dedicated enrollment call center to review your benefits, ask questions, and make your elections or schedule your appointment.
(314) 262-7088 Monday through Friday from 8 AM- 5 PM CT. 
Already know what you want to enroll in?

Username- Employee ID Number
Pin/Password- 12-digit Password- Last 4 of SSN + 8-digit birthday (MMDDYYYY)
Example- SSN 123-45-6789 DOB 05/15/1985.
Password:678905151985.

Once logged in employees will be prompted to change their password

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