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 or without 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
  • Fully insured
  • Cigna-HealthSpring Medicare Advantage plans are available in select counties in the following states: Alabama, Arizona, Arkansas, Delaware, Florida, Georgia, Illinois, Indiana, Kansas, Maryland, Mississippi, Missouri, North Carolina, Pennsylvania, South Carolina, Tennessee, Texas and Washington, DC

 

Type of Plan: Medical plans that supplement Medicare**

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 64,000 participating retail pharmacies nationwide
  • Cigna-HealthSpring Rx (PDP) plans are available nationwide

 

Type of Plan: Medical plans that supplement 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: Comprehensive suite of medical plans providing pre-Medicare retiree coverage**

Highlights :

  • Traditional and account-based plans available
  • Flexibility to offer lean to rich coverage
  • Full range of funding options (fully insured to self-funded)
  • Focus on health advocacy, active customer participation, transparency and medical management to help reduce costs by continuing behavior patterns developed by individuals as active employees

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
  • Reporting provided in the appropriate formats based on program guidance
  • Additional services also available

Type of Plan: Alternative defined contribution account designed to support future health care-related expenses

Highlights :

  • Works in conjunction with Cigna Choice Fund® Health Reimbursement Accounts (HRAs)
  • A portion of the unused funds from the HRA is 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 the new focus on consumerism in health care

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. 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.

** Availability may vary by state and is subject to change. Cigna Medicare Surround and Expand are employer-sponsored group retiree medical plans. They are NOT standardized Medicare Supplement (Medigap) plans and are NOT offered under a contract with the federal government.