Information for Plan Sponsors

CIGNA Senior & Retiree Services is ideal for plan sponsors who want one set of solutions for all covered employees and retirees. As one of the only health service companies with its own pharmacy, behavioral, dental, vision and disability businesses, CIGNA is able to provide industry leading coverage to individuals at every stage of life - from active employee, to early retiree, to Medicare-eligible retiree. And because we deliver industry-leading care management programs, we help drive improved outcomes for the individuals we serve, and help with overall costs for everyone.

Our experience has taught us to offer plans that are not only comprehensive, but also simple and easy to use for retirees.

National health and wellness programs that provide discounts and savings on services including fitness, vision, hearing and much more.
Holistic health advocacy programs, including chronic condition management.
Easy-to-understand plan designs with coverage clearly defined in advance.
Toll-free telephone access to customer service and bilingual support.
A 24-Hour Health Information Line provides around-the-clock access to speak with a nurse or listen to information from a vast library of health topics.

Pre-Medicare

Our customized pre-65 solutions allow you to choose from a variety of networks, funding options and coverage levels to help manage your costs and retiree obligations.
Our consultative solutions address your unique subsidy, coverage and funding needs.
Our comprehensive care management programs, including the CIGNA Well Aware for Better Health,^® disease management program, offer a proven track record of reducing costs and maintaining the long-term health of individuals dealing with multiple chronic conditions.

Medicare

Our suite of post-65 medical and prescription drug plans offer flexible product and benefit design options.
Our medical plans can replace, supplement or coordinate with Medicare.
Our funding options range from plans with predictable fully insured premiums to the flexibility of self-funded plans.

CIGNA Group Retiree Plans-at-a-Glance If you are interested in learning more about CIGNA HealthCare, click here

Name	Type	Highlights
CIGNA Early Retiree Solutions	Comprehensive suite of medical plans providing pre-Medicare retiree coverage	Traditional and account-based plans available Flexibility to offer lean to rich benefits Full range of funding options (ASO to fully insured) Focus on health advocacy, active customer participation, transparency and medical management to reduce costs by continuing behavior patterns developed by individuals as active employees
CIGNA Medicare Select Plus Rx^® (HMO) CIGNA Medicare Select (Plus Rx) (HMO) Available in Maricopa County and certain zip codes within Apache Junction and Queen Creek, Arizona only.	Medicare Advantage HMO plan with or without prescription drug coverage	Replaces Original Medicare plus provides additional coverage, such as routine physicals, and health & wellness programs Familiar and simple plan designs Extensive network of health care professionals and pharmacies through Cigna Medical Group, and a comprehensive formulary A comprehensive formulary Premium reduced by government contribution Fully insured
CIGNA Medicare Surround^®	Medical plans that supplement Medicare	Supplements Medicare Part A and Part B, similar to Medigap coverage May include additional benefits not covered by Original Medicare Flexibility to offer lean to rich benefits Full range of funding options (ASO to fully insured) Medicare remains primary, CIGNA pays as secondary
CIGNA Medicare Expand^®	Medical plans that coordinate benefits with Medicare	Coordinates with Medicare Part A and Part B Can mirror active medical plans Full range of funding options (ASO to fully insured) Medicare remains primary, CIGNA pays as secondary
CIGNA Medicare Rx^® (PDP)	Medicare Part D Prescription Drug Plans	Predictable costs, reduced risk Flexible plan options, coverage through the coverage gap Extensive formulary Premium reduced by government contribution Fully insured More than 60,000 participating network pharmacies nationwide
CIGNA Retiree Drug Subsidy Support Services	Assistance with the administrative requirements of the federal Retiree Drug Subsidy Program	Submission of initial and ongoing retiree list eligibility reports Submission of monthly and annual cost reconciliation reports Reporting in the appropriate formats based on program guidance Additional services also available
CIGNA Healthy Future Account^®	Alternative defined contribution account designed to support future health care-related expenses	Works in conjunction with CIGNA Choice Fund^® Health Reimbursement Accounts (HRAs) /li> A plan sponsor-determined portion of unused funds from the HRA are allocated to the Healthy Future Account Employees accumulate dollars and save for health care-related expenses in future years Funds can be used to purchase individual or group-sponsored plans, or to reimburse out-of-pocket expenses Supports a defined contribution strategy - to cap costs Aligns with complete consumerism strategy
Retiree Administration	Comprehensive range of administrative services offered through a preferred vendor arrangement with Marsh ConsumerConnexions	Provides plan sponsors a "turn-key" solution for retiree administration Structured step-by-step implementation process "Best in class" customer service center with representatives experienced in retiree benefits Expertise to create effective communications that maximize retiree satisfaction Accurate and timely eligibility and enrollment processing Flexible billing capabilities to meet the contribution strategies of each plan sponsor

^* Healthy Rewards^® is a discount program. Some Healthy Rewards programs are not available in all states. A discount program is NOT insurance, and the customer must pay the entire discounted charge.

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Information for Plan Sponsors