Please select a page for the Contact Slideout in Theme Options > Header Options

Benefits Information

Benefits Information

Health Insurance

Medical Plans

Benefit Plan Summaries

Premium
Preferred
Economy

2019 Active Plan Comparison
Detailed Benefit Plan Document (SPD)

Contribution Rates

2019 Active Medical Rates
2019 Retiree Medical Rates

Medical Customer Service Information

Group Number 3333570
Customer Service Number Claim Administrator – 1-800-244-6224
Mailing Address Claim Administrator:
CIGNA Healthcare, Inc.
P.O. Box 5200
Scranton, PA 18505-5200Plan Administrator:
Bi-State Development
211 North Broadway, Suite 700-Mailstop 125
St. Louis, MO 63102
Web Site www.cigna.com

 

Prescription Drug Plan

Benefit Plan Summary
Detailed Benefit Plan Document (SPD) – Employees & Retirees < Age 65
Detailed Benefit Plan Document (Evidence of Coverage) – Retirees > Age 65

Prescription Drug Plan Customer Service (Employees & Retirees < 65)

Group Number DTH
Customer Service Number Claim Administrator – 1-866-509-9660
Mailing Address Claim Administrator:
Express Scripts, Inc.
P.O. Box 66773
St. Louis, MO 63166-9742Plan Administrator:
Bi-State Development
211 North Broadway, Suite 700-Mailstop 125
St. Louis, MO 63102
Web Site www.express-scripts.com

Prescription Drug Plan Customer Service (Retirees > 65)

Group Number KKP
Customer Service Number Claim Administrator – 1-888-806-4889
Mailing Address Claim Administrator:
Express Scripts, Inc.
Attn: Med-D Accounts
P.O. Box 66752
St. Louis, MO 63166-9742Plan Administrator:
B- State Development
211 North Broadway, Suite 700-Mailstop 125
St. Louis, MO 63102
Web Site www.express-scripts.com

 

Dental Plans

Benefit Plan Summary
Detailed Benefit Plan Document (SPD)

Contribution Rates

2019 Active Dental Rates

Dental Customer Service

Group Number 7614
Customer Service Number Claim Administrator – 1-800-335-8266
Mailing Address Claim Administrator:
Delta Dental of MO
P.O. Box 8690
St. Louis, MO 63126Plan Administrator:
Bi-State Development
211 North Broadway, Suite 700-Mailstop 125
St. Louis, MO 63102
Web Site www.deltadentalmo.com

Vision Plan

Benefit Plan Summary
Detailed Benefit Plan Document (SPD)

Contribution Rates

2019 Active Vision Rates

Vision Customer Service

Group Number 9800608
Customer Service Number Claim Administrator – 1-800-521-3605
Mailing Address Claim Administrator:
Eye Med Vision Care
Attn: OON Claims, P.O. Box 8504
Mason, OH 45040-7111Plan Administrator:
Bi-State Development
211 North Broadway, Suite 700-Mailstop 125
St. Louis, MO 63102
Web Site www.eyemedvisioncare.com

COBRA

What is COBRA?

COBRA is an acronym for the federal law, the Consolidated Omnibus Budget Reconciliation Act of 1985.

The law is designed to allow eligible employees and/or their covered dependents to continue certain health-related group benefits when coverage is lost for a number of reasons.

Learn More about COBRA

 

Contribution Rates

2019 COBRA Rates

COBRA Customer Service Information

Group Number None.
Customer Service Number Claim Administrator – 314-909-6979 or 1-800-631-3539
(Press 1 Cobra) (Press 2 FSA balance) (Press 4 customer service)
Mailing Address Claim Administrator:
10805 Sunset Office Dr., Ste 401
St. Louis, MO 63127Plan Administrator:
N/A
Web Site www.paylocity.com

Salaried Flexible Spending Plan

Benefit Plan Summary
Detailed Benefit Plan Document (SPD)
Contribution Calculation Worksheet

Salaried Flexible Spending Customer Service

Group Number None
Customer Service Number Claim Administrator – 314-909-6979 or 1-800-631-3539
(Press 1 Cobra) (Press 2 FSA balance) (Press 4 customer service)
Mailing Address Claim Administrator:
10805 Sunset Office Dr., Ste 401
St. Louis, MO 63127
Plan Administrator:
N/A
Web Site www.paylocity.com

Employee Assistance Program

Work/Life Support Services
Substance Abuse

Employee Assistance Program Customer Service

Group Number metrostlouis
Customer Service Number Claim Administrator – 1-877-622-4327
Mailing Address Claim Administrator:
N/APlan Administrator:
N/A
Web Site www.cignabehavioral.com

Other Insurance Benefits

Financial/Retirement

401K Plan

401(k) Highlights 2015 (Salaried, Call-a-Ride & IBEW)

Overview

The plan is a 401(k) plan offered to provide employees a means to save for their future. It allows employees to contribute money up to stated limits on a pretax basis. Any earnings on the funds are not subject to income tax until they are taken out of the plan, usually at retirement. It is called a 401(k) plan after Section 401(k) of the Internal Revenue Code, which authorizes this kind of tax-deferred savings plan.

The intention is to operate this plan as a participant-directed account plan under Section 404(c) of the Employee Retirement Income Security Act of 1974 (ERISA). This means that you will be responsible for your investment decisions under the plan. Neither the plan fiduciaries nor the plan sponsor is responsible for any losses incurred as a result of your investment decisions.

Any money in your account when you terminate employment may be rolled over into another qualified plan or taken as a taxable lump sum with possible tax penalties.

Note: Early withdrawal (prior to age 59 1/2) may result in possible tax penalties.

Name and Address of Administrator Plan Administrator:

Bi-State Development

211 North Broadway, Suite 700-Mailstop 125
St. Louis, MO 63102

Benefit Section: 1-314-982-1400 ext. 3006

Fund Recordkeeper:

Lincoln Financial Group (LFG)
1300 South Clinton Street
Ft. Wayne, IN 46802

Voice Response System and Call Center: 1-800-234-3500

Fund Custodian:

Wilmington Trust
Rodney Square North
1100 North Market
Wilmington, DE 19890

Click below to access the plan’s web site:

Lincoln Financial Group

Cost to Participant You may make contributions into the plan, but no processing or other fees are charged for making such contributions. However, investment management fees are part of the price of mutual fund shares, and those fees are deducted from any earnings on the fund.
Eligibility You must be a regularly scheduled Salaried or IBEW employee of Metro or employed by the Call-A-Ride Unit to participate in the plan.
Entry Dates You are eligible to participate in the plan immediately following your first payroll cycle.
Employer Match The current employer matching contribution, which is subject to change, is 50% of your Basic Contribution amount for SALARIED, IBEW and CALL-A-RIDE.

Basic Contributions (Salaried) -Your contributions to the plan, which are equal to 1%, 2%, 3%, 4% or 5% of your earnings are called your basic contributions.

Basic Contributions (IBEW) -Your contributions to the plan, which are equal to 1%, 2%, 3%, 4% or 5% of your earnings are called your basic contributions.

Basic Contributions (Call-A-Ride) -Your contributions to the plan, which are equal to 1%, 2%, 3%, 4%, 5%, or 6% of your earnings are called your basic contributions.

The matching contributions are made each payroll period.

How often you may change investments among available funds You may allocate your contributions in any way you want among the various investment options and switch investments between available funds at anytime.

If you wish to redirect the investment of your contributions, your investment instructions are directed through Lincoln Financial Group’s (LFG) Voice Response System 1-800-234-3500, or through LFG’s web site at www.lfg.com. The change will become effective as of the close of business the day the transaction is executed through the Voice Response System or through the web site.

Note: While you can change your investments daily, remember that you are investing for the long term. Frequent investment changes can negatively impact the long-term growth of your account.

How often you may change the amount of your salary deferral You may change the amount of your Basic and Supplemental Contributions at any time by contacting Lincoln Financial directly at 1-800-234-3500.

When completing the form you must indicate the deferral percentage that you are electing to contribute. You may suspend your contributions at any time, however, if your contribution goes to zero, you cannot participate again until January 1 of the following year.

If no change in elections or suspensions occur, your contribution percentage will remain in effect from year to year.

Vesting Schedule – Employee Contributions All of your contributions are always 100% vested (i.e., owned by you).
Vesting Schedule – Matching Contributions Any employer-matching contributions will be vested immediately.
May loans be taken from the Plan? Yes, loans may generally be made up to 50% of the most recent valuation of your vested account, up to a maximum loan of $50,000.

Participants are allowed only one (1) outstanding loan at anytime.

For more detailed information on exactly how much of a loan would be available, see: Loans

May hardship withdrawals be made from the Plan? Yes. For more information, see: Hardship Withdrawals
Minimum Contributions The minimum employee pretax contribution is 1% of your earnings.
Maximum Contributions The current maximum employee contribution is $18,000 (or 100% of your eligible plan compensation, if less).

Your contributions will be broken into the following categories:

1. Basic Contributions (Salaried) – Those contributions from 1% – 5% of your earnings. These will be the only contributions matched by the company.

2. Basic Contributions (IBEW) -Those contributions from 1% – 5% of your earnings.  These will be the only contributions matched by the company.

3. Basic Contributions (Call A Ride) – Those contributions from 1% – 6% of your earnings. These will be the only contributions matched by the company.

4. Supplemental Contributions – Contributions up to 100% of your earnings as limited by the IRS as stated above. Basic Supplemental Contributions are in addition to your Basic Contributions, but Metro will make no employer matching contributions for these supplemental amounts.

If you are age 50 or older or will reach age 50 by the end of the calendar year, you may make an additional pretax contribution, called a catch-up contribution. The catch-up contribution is allowed on top of the usual pretax limit. The current catch-up contribution limit is $6,000.

Note: If you use something other than the calendar year when filing tax returns, you can make a catch-up contribution if you will reach age 50 by the end of your tax year.

Regular contributions for highly compensated employees, as defined by the Internal Revenue Code, are subject to “nondiscrimination testing” and may have lower limits. Catch-up contributions are not ordinarily subject to this testing.

Catch-Up Contributions If you are age 50, or will reach age 50 before the close of the calendar year (or your tax year, if different), you may make a catch-up contribution up to the catch-Up contribution limit. You may need to make a special election to make catch-Up contributions.

 

Additional 401K Information

Benefit Summary
401k Plan Distibution Options
Metro Fee Disclosure Notice
IRS Favorable Determination for 401K Plan

Retiree Life Insurance

Reliance Standard Insurance – Basic Life Salary Retiree
Reliance Standard Insurance – Basic Life Hourly Retiree