Medical Coverage

In providing medical coverage to employees and retirees, St. Louis County participates in a program of self insurance. The County contracts with a health insurance company to administer the claims and health care coverage for subscribers. Because the County is self-insured, subscribers are encouraged to be prudent in obtaining health care services. In this way, subscribers may assist the County in its effort to curtail the increasing costs of health care.

Eligibility Coverage Cost Shop and Compare Forms Tiers FAQs Pharmacy (Rx) How to Save

In-network providers will get you the most benefits for the least expense and paperwork.  They will accept payment based on the allowed amount and file claims for you. 


In-Network providers are providers in the St. Louis County Network.  Visit the BCBS website and use the "Find a Doctor" tool to search for tier 1 and tier 2 providers in the St. Louis County Network.  Learn More...


Tiering Tutorial Video

Understanding Medical Out of Pockets Video


Tiering FAQs:


Q1:What is tiering and how can I learn more? 

A1:Watch the Tiering Tutorial  and Understanding Medical Out of Pockets Videos


Q2: If a Tier 1 provider refers you to a specialist that is Tier 2 what medical out of pocket expenses apply to charges incurred by the Tier 2 provider?

A2: Tier 2 out-of-pockets would apply.  The fact that you are referred doesn't change the status of either provider. 


Q3: My oral surgeon told me that part of my oral surgery will be covered under my health plan. How do I find out if my dentist/oral surgeon is a tier 1 or tier 2 dentist?

A3: If a search with the Find a Doctor tool at includes your dentist, he/she is tier 1.  There are no tier 2 dentists in the health plan.  If your search results do not include your dentist/oral surgeon then he/she is out-of-network.  To search for a dentist you will need to select dentist in the pop-up window that appears when you click on Find a Doctor:


pop up window for Find a Dentist






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