Scheduled maintenance: Wednesday, 5/27/2026 from 6-7pm. Users may experience a short downtime to the county website during this maintenance window.
Medical Insurance
 
 
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. 

Coverage

St. Louis County offers a comprehensive major medical health plan to its employees and eligible retirees. This plan type features a deductible and an out of pocket maximum expense for participants. Since this plan is an open access plan, there is no need to select a primary care provider or to acquire a referral, however, there is an incentive to use preferred providers (see tiering information posted under NETWORKS). 

Out of Pocket Costs Guide

2026 Out-of-Pocket Costs Guide
2025 Out-of-Pocket Costs Guide
 

Summary of Health Coverage

2026 Summary of Benefit Coverage
2025 Summary of Benefit Coverage
 

Complete health insurance booklet/manual

2026 Benefits Booklet
2025 Benefits Booklet
 

Plan Prescription drug coverage information:
RxBin:  610455
RxPCN: HMHS
RxNetwork: ST. LOUIS COUNTY
Pharmacy Network:  Classic
Formulary Name: KeyRx

 

 

Cost

Forms

No printer?  Electronic Signature Instructions

St. Louis County Self-Insured Plan:
Medical Enrollment/Change Form (sign with pen, scan and send to submit)

Login at www.bluecrossmn.com for access to these BlueCross forms:

  • Formulary Exceptions
  • Prescription Drug Reimbursements
  • Medical Claim Reimbursements
 
St. Louis County Group Medicare Plans:
 
 
 
 

Networks

Find an in-network Pharmacy near you  (choose the CLASSIC network from the drop down list)

In-network providers will get you the most benefits for the least expense and paperwork. 

Tier 1 = Enhanced Value Network = Least Cost
Tier 2 = Standard Value Network = Higher Cost
Out-of-Network = Highest Cost

In-Network providers are providers in the St. Louis County Network. 

Find In-Network providers when you log in to your member portal at www.bluecrossmn.com.

 

 

Prescription Drugs

Is my medicine covered by my St. Louis County medical insurance?  Find my Medicine

Are you missing a Medication Therapy Management (MTM) drug discount?   MTM HELP

Plan Prescription drug coverage information:
RxBin:  610455
RxPCN: HMHS
RxNetwork: ST. LOUIS COUNTY
Pharmacy Network:  Classic
Formulary Name: KeyRx

$0 Insulin Copay Initiative

FLEX Access: 888-302-3618

 

 

Your BlueCross Portal

You will find BOTH your medical and vision coverage details here.

Related Links