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Group Medicare Plans 

Cigna offers group retiree options tailored to meet the needs of your organization.

It’s more than retiree health coverage. It’s additional peace of mind.

Your retired employees have served you well over the years. Now it’s your turn to serve them well.

Cigna's commitment to whole-person health means taking care of your retirees and helping them feel secure–physically, emotionally, socially, and financially. Cigna Group Medicare solutions help you deliver flexible health care options that meet the evolving needs of your retirees and your organization.

Working Together Works

As your partner, we work closely with you to understand your organization’s unique needs. With our broad range of product offerings, Cigna can help you create long-term health care goals tailored to your organization and your retirees.


Cigna Group Medicare Advantage Plans

Medicare Advantage PPO and HMO plans with prescription drug coverage

  • All the coverages of Original Medicare Part A and B, plus additional value-added services, such as our Home Delivered Meals program, Health Information Line, and health and wellness programs
  • Simple plan designs and a comprehensive drug formulary
  • Clinical care coordination programs and a focus on preventive care help to keep retirees healthier and reduce costs
  • One dedicated customer service team, one ID card, and one customer service phone number for medical, behavioral, and prescription drug coverage

Cigna True Choice Medicare (PPO)

Medicare Advantage PPO plans with or without prescription drug coverage

  • Nationwide access to providers who accept Medicare, including when traveling, with no referrals needed
  • Passive PPO plan design with consistent cost shares across in-network and out-of-network coverage
  • PCPs are encouraged, but not required
  • One plan for all retirees simplifies enrollment and billing administration by eliminating the need for out-of-area medical plans

Cigna Group Medicare Part D Plans

  • Predictable costs, reduced risks
  • Flexible plan options, including supplemental coverage through the coverage gap
  • Formulary options
  • Full range of funding choices (fully insured to self-funded)
  • More than 66,000 participating pharmacies nationwide1

Cigna Group Medical Plans That Supplement Medicare2

  • Supplements Medicare Part A and Part B, similar to Medicare Supplement coverage
  • May include extra benefits not covered by Original Medicare
  • Flexibility to offer lean to rich coverage
  • Full range of funding choices (fully insured to self-funded)
  • Medicare stays primary, Cigna pays as secondary

Cigna Preferred Medicare

Medicare Advantage HMO plans with prescription drug coverage

  • Extensive networks of quality health care professionals and pharmacies
  • Coordinated care model centered around the PCP as the team leader
  • Programs designed to reward doctors for quality rather than volume

Cigna Group Support Services

As your retiree health coverage partner, Cigna provides guidance, tools, and resources to manage your group Medicare plans.

Services provided to you include: 

Retiree Drug Subsidy (RDS) Support:

  • Help running the RDS application
  • Submission of eligibility and cost reporting
  • Reporting supplied in the proper formats based on program guidance

Administration Services:

  • Step-by-step guidelines for the implementation process
  • Customer service center with representatives experienced in retiree coverage
  • Communications that help boost retiree satisfaction

Contact us to learn more about group support services


Are you a retiree with a Medicare plan through a former employer?

Find information about using your plan and accessing available services:

Group Plans Resources

Group Plans Provider Network


View Cigna Company Names

1 Based on internal analysis of Cigna nationwide Medicare pharmacy network, July 2019.

Cigna’s group medical plans that supplement Medicare are employer-sponsored group retiree medical plans. In most states, they are NOT standardized Medicare Supplement (Medigap) plans and are NOT offered under a contract with the federal government. In Arizona, Connecticut, and Oregon, the insured Cigna group medical plans that supplement Medicare are referred to as the Cigna Indemnity Medical Plan for Retirees, and are not considered a Medicare Supplement policy.

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Individual and family medical and dental insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC), Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of South Carolina, Inc., and Cigna HealthCare of Texas, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates (see a listing of the legal entities that insure or administer group HMO, dental HMO, and other products or services in your state). Accidental Injury, Critical Illness, and Hospital Care plans or insurance policies are distributed exclusively by or through operating subsidiaries of Cigna Corporation, are administered by Cigna Health and Life Insurance Company, and are insured by either (i) Cigna Health and Life Insurance Company (Bloomfield, CT); (ii) Life Insurance Company of North America (“LINA”) (Philadelphia, PA); or (iii) New York Life Group Insurance Company of NY (“NYLGICNY”) (New York, NY), formerly known as Cigna Life Insurance Company of New York. The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc. LINA and NYLGICNY are not affiliates of Cigna.

All insurance policies and group benefit plans contain exclusions and limitations. For availability, costs and complete details of coverage, contact a licensed agent or Cigna sales representative. This website is not intended for residents of New Mexico.

Selecting these links will take you away from to another website, which may be a non-Cigna website. Cigna may not control the content or links of non-Cigna websites. Details