Group Plans

Cigna Group Medicare

It’s more than 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 Group Medicare solutions help you deliver flexible health care options that meet the evolving needs of your retirees and your organization.

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

Cigna's simple and easy-to-use group 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
  • Simplified administration across active and retiree populations
  • Access to discounts and savings on services including hearing, vision, fitness, weight and nutrition, and much more

Cigna Group Retiree Solutions

Medicare Advantage PPO plans with or without prescription drug coverage

  • Passive PPO network offers the freedom to go to any doctor with no referrals required
  • PCPs are optional but encouraged
  • One plan for all retirees simplifies enrollment and billing administration by eliminating the need for out-of-area medical plans
  • Offers the same coverage as Original Medicare Part A and B plus additional value-added services, such as our post-hospital meal delivery program, 24-hour Health Information Line, and health and wellness programs
  • Simple plan designs and a comprehensive formulary
  • Clinical care coordination programs and a focus on preventive care help to keep retirees healthy and reduce costs
  • One dedicated customer service team, one ID card, and one customer service phone number for medical and prescription drug coverage

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
  • Offers the same coverage as Original Medicare Part A and B plus additional value-added services, such as our post-hospital meal delivery program, 24-hour Health Information Line, and health and wellness programs
  • Simple plan designs and a comprehensive formulary
  • Clinical care coordination programs and a focus on preventive care help to keep retirees healthy and reduce costs
  • One dedicated customer service team, one ID card, and one customer service phone number for medical and prescription drug coverage
  • 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*
  • Supplements Medicare Part A and Part B, similar to Medicare Supplement 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

Retiree Drug Subsidy Support Services

Guidance, tools and resources to support the Retiree Drug Subsidy (RDS) process

  • Help facilitating RDS application
  • Submission of eligibility and cost reports
  • Reporting provided in the appropriate formats based on program guidance
  • Additional services also available

Retiree Administration

Comprehensive range of administrative services offered through preferred vendor arrangements, ranging from retiree billing support to complete retiree administration solutions

  • Structured step-by-step implementation process
  • Customer service center with representatives experienced in retiree coverage
  • Effective communications that help maximize retiree satisfaction

Contact us to learn more about Cigna products and solutions for your insurance needs.

* 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.