Medicare Group Plans For Employers And Union Groups

At Cigna, we understand each employer and union group is unique. That’s why we offer a variety of group retiree health care coverage options. By working with you to understand your coverage philosophy, Cigna can craft a long-term retiree health care strategy tailored to meet the needs of your organization and your retirees.

Cigna's simple and easy to use retiree plans offer:

  • Smooth transitions for individuals moving into new retiree plans.
  • Simple communications focused on retirees' needs.
  • Toll-free telephone access to customer service and bilingual support.
  • Easy-to-understand plan designs with coverage clearly defined in advance.
  • Information on treatment options and assistance with health questions with our live support health information line, available 24 hours a day, 7 days a week.
  • Access to discounts and savings on services including hearing, vision, fitness, weight and nutrition, and much more, through the Healthy Rewards®* program.


Cigna's comprehensive suite of retiree health care products and services allows us to deliver solutions tailored to each organization. And for employers or unions interested in alternatives to traditional group coverage, we offer a full portfolio of individual and defined contribution options. We also partner with third-party retiree private exchanges.

Cigna Retiree Plans At A Glance

Type of Plan: Medicare Advantage HMO and HMO-POS plans with prescription drug coverage

Highlights :

  • Offers the same coverage as Original Medicare (Part A and Part B) and provides additional coverage, such as routine physicals and health and wellness programs
  • Simple plan designs and a comprehensive formulary
  • Extensive networks of high performance health care professionals and pharmacies
  • Programs designed to reward doctors for quality rather than volume, by focusing on collaboration, preventive care, and improved clinical outcomes
  • Customers in Maryland, Tennessee, and Texas can access LivingWellSM Centers featuring multidisciplinary care teams - including doctors, nurses, case managers, and pharmacists - who work together to deliver coordinated care for patients
  • Customers in Arizona can access an extensive network of high performance health care professionals and pharmacies through Cigna Medical Group*
  • Customers in Miami-Dade County in Florida can access Leon Medical Centers which offer complimentary patient transportation, access to bilingual primary care and specialty physicians and staff, onsite pharmacies, laboratories, dental, eye care, CT Scans and MRI.
  • Fully insured
  • Cigna-HealthSpring Medicare Advantage plans are available in select counties in the following states: Alabama, Arizona, Arkansas, Delaware, Florida, Georgia, Illinois, Kansas, Maryland, Mississippi, Missouri, North Carolina, Pennsylvania, South Carolina, Tennessee, Texas, Virginia and Washington, DC

*Cigna Medical Group (CMG) is the medical group practice division of Cigna HealthCare of Arizona, Inc. All CMG services are provided exclusively by or through Cigna HealthCare of Arizona Inc., and not by Cigna Corporation. The Cigna Medical Group name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc.

Type of Plan: Medicare Part D Prescription Drug Plans

Highlights :

  • Predictable costs, reduced risks
  • Flexible plan options, including supplemental coverage through the coverage gap
  • Lean, standard, and rich formulary options
  • Full range of funding options (fully insured to self-funded)
  • More than 67,000 participating pharmacies nationwide
  • Cigna-HealthSpring Rx (PDP) plans are available nationwide including Puerto Rico and the U.S. Virgin Islands


Type of Plan: Indemnity Plan that Supplements Medicare**

Highlights :

  • 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 coverage
  • Full range of funding options (fully insured to self-funded)
  • Medicare remains primary, Cigna pays as secondary


Type of Plan: Medical plans that coordinate with Medicare**

Highlights :

  • Coordinates coverage with Medicare Part A and Part B
  • Can mirror active medical plans
  • Full range of funding options (fully insured to self-funded)
  • Medicare remains primary, Cigna pays as secondary


Type of Plan: Retiree Drug Subsidy and Creditable Coverage support

Highlights :

  • Guidance, tools and resources to facilitate application processes
  • Submission of eligibility and cost reports
  • Additional services also available


Type of Plan: Comprehensive range of administrative services offered through a preferred vendor arrangement with Mercer Retiree Group Services

Highlights :

  • Provides employer and union groups a "turn-key" solution for retiree administration
  • Structured step-by-step implementation process
  • Customer service center with representatives experienced in retiree coverage
  • Effective communications that help maximize retiree satisfaction
  • Accurate and timely eligibility and enrollment processing
  • Flexible billing capabilities to meet the contribution strategies of each employer and union group


If you are interested in learning more about Cigna and our various products and solutions, please Click Here.

*Healthy Rewards is a discount program. If your plan includes coverage for any of these services, this program is in addition to, not instead of, your plan benefits. Healthy Rewards programs are separate from your medical benefits. A discount program is NOT insurance, and you must pay the entire discounted charge. Some Healthy Rewards programs are not available in all areas and programs may be discontinued at any time. Healthy Rewards participating vendors are independent contractors and solely responsible for any products or services provided.

** Cigna Medicare Surround and Expand 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 Medicare Surround product is considered a group indemnity medical plan for retirees