Cigna Healthcare Group Medicare Plans
We offer group retiree options tailored to meet the needs of your organization.
Medical Plans for Retirees
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.
Our commitment to whole-person health means taking care of your retirees and helping them feel secure—physically, emotionally, and financially. Cigna Healthcare℠* Group Medicare solutions help you deliver flexible health care options that meet the evolving needs of your retirees and your organization.
Group Medicare Product Offerings
As your partner, we work closely with you to understand your organization’s unique needs. With our broad range of product offerings, we can help you create long-term health care goals tailored to your organization and your retirees.
Group Medicare Advantage Plans
Cigna Healthcare offers two Medicare Advantage plans with prescription drug coverage: Cigna True Choice Medicare (PPO) and Cigna Preferred Medicare (HMO).
These simply designed plans include all the coverage of Original Medicare Parts A and B plus value-added services, such as Silver&Fit®, caregiver support, our home-delivered meals program, home life resources, and a Health Information Line.
Health and wellness programs focused on preventive care—such as clinical care management and wellness incentives—keep retirees engaged in their health and reduce costs. Our dedicated Group Medicare implementation and account service teams will guide you through the transition and offer ongoing support.
Cigna True Choice Medicare (PPO)
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Nationwide access to providers who accept Medicare, with no referrals required
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Passive PPO plan design with consistent cost-share for both in-network and out-of-network coverage
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Primary care provider (PCP) selection encouraged but not required
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Enrollment and billing administration simplified by eliminating the need for out-of-area medical plans
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One dedicated customer service team, one ID card and one customer service phone number for medical, behavioral and prescription drug coverage
Cigna Preferred Medicare (HMO)
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Extensive networks of quality health care providers and pharmacies
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Coordinated care model centered around the PCP as the team leader
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Programs designed to reward doctors for quality rather than volume
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No referrals required to see a specialist in most markets
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One dedicated customer service team, one ID card and one customer service phone number for medical, behavioral and prescription drug coverage
SimplyOne Medicare
Powered by Cigna Healthcare and Express Scripts®
With a focus on ease, SimplyOne Medicare pairs Cigna Healthcare Medicare Advantage PPO plans with Express Scripts EGWP Plus Medicare Part D plans.
- A coordinated plan that helps lower costs and reduce your retiree plan liability
- Simplified administration with a range of customization options
- One eligibility file for medical and prescription drug plans
- One customer service number and connected customer websites
- Coordinated implementation and service
- Fully insured or self-funded prescription drug plan options
- Open and closed formulary options
- A choice of pharmacy networks
- Accredo, our Cigna Healthcare specialty pharmacy, and home delivery with Express Scripts® Pharmacy, a Cigna Healthcare company3
Group Medicare Part D Plans (PDP)
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Predictable costs, reduced financial risk
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Flexible plan options, including supplemental coverage through the coverage gap
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Lean to rich formulary options
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Full range of funding options (fully insured to self-funded)
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More than 62,000 participating pharmacies nationwide1
Group Medical Plans That Supplement Medicare2
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Supplements to Medicare Part A and Part B
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Medicare remains primary; Cigna Healthcare pays as secondary
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Guarantee issue, no medical underwriting
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Retirees can see any health care provider who accepts Medicare
Medicare Support Services for Employers
As your retiree health coverage partner, Cigna Healthcare provides services and support to manage your group Medicare plans. Support services include:
Administration Services:
Comprehensive range of administrative services offered through preferred vendor arrangements 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
Retiree Drug Subsidy (RDS) Support:
Guidance, tools and resources to support the RDS process.
- Help with facilitating RDS application
- Submission of eligibility and cost reports
- Reporting provided in the appropriate formats based on program guidance
- Additional services also available
Are you a retiree with a Medicare plan through a former employer?
Find information about using your plan and accessing available services:
Group Medicare Member Resources
Information, tools, and links to help retirees understand your Cigna Healthcare Group Medicare plan benefits and coverage.
Group Medicare Provider Network
Find in-network doctors and pharmacies for Cigna Healthcare Medicare Advantage and Part D group plans.
*Offered by Cigna Health and Life Insurance Company or its affiliates
View Cigna Healthcare Company Names
1 Based on internal analysis of Cigna Healthcare nationwide Medicare pharmacy network, June 2023.
2 Cigna Medicare Surround is an employer-sponsored group retiree medical plan. Cigna Medicare Surround is NOT offered under a contract with the federal government. In most states, Cigna Medicare Surround is NOT a standardized Medicare Supplement plan/policy. In Florida, Cigna Medicare Surround is a standardized Medicare Supplement plan/policy. In Arizona, Connecticut, and Oregon, the insured product that supplements Medicare is considered a group indemnity medical plan for retirees. Cigna Medicare Surround plans are insured and/or administered by Cigna Health and Life Insurance Company. Insured policy forms: FL – MSPOLFL20; OK – HP-POL37; TN - HPPOL43; OR – HP-POL38 02-13.
3 Other pharmacies are available in the Express Scripts network.
Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group℠. The Cigna Healthcare names, logos, and marks, including THE CIGNA GROUP and CIGNA HEALTHCARE are owned by Cigna Intellectual Property, Inc. Subsidiaries of The Cigna Group contract with Medicare to offer Medicare Advantage HMO and PPO plans and Part D Prescription Drug Plans (PDP) in select states, and with select State Medicaid programs. Enrollment in a Cigna Healthcare product depends on contract renewal.
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