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  • Home Employers Group Health Insurance Medical Plans Group Medicare Plans

    Cigna Healthcare Group Medicare Plans

    We offer group retiree options tailored to meet the needs of your organization.

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    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 HealthcareSM* 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)

  • Nationwide access to providers who accept Medicare, with no referrals required
  • Passive PPO plan design with consistent cost-share for both in-network and out-of-network coverage
  • Primary care provider (PCP) selection encouraged but not required
  • Enrollment and billing administration simplified by eliminating the need for out-of-area medical plans
  • 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)

  • Extensive networks of quality health care providers and pharmacies
  • Coordinated care model centered around the PCP as the team leader
  • Programs designed to reward doctors for quality rather than volume
  • No referrals required to see a specialist in most markets
  • 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)

  • Predictable costs, reduced financial risk
  • Flexible plan options, including supplemental coverage through the coverage gap
  • Lean to rich formulary options
  • Full range of funding options (fully insured to self-funded)
  • More than 62,000 participating pharmacies nationwide1
  • Group Medical Plans That Supplement Medicare2

  • Supplements to Medicare Part A and Part B
  • Medicare remains primary; Cigna Healthcare pays as secondary
  • Guarantee issue, no medical underwriting
  • 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.

    Visit our Knowledge Center for helpful information you can share with your employees:

    View more Medicare articles

    *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 GroupSM. 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.

    © 2023 Cigna Healthcare.

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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 The Cigna Group 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 Healthcare name, logo, and other Cigna Healthcare marks are owned by The Cigna Group Intellectual Property, Inc. LINA and NYLGICNY are not affiliates of Cigna Healthcare.

    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 Healthcare sales representative. This website is not intended for residents of New Mexico.

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