2021 Retiree Benefits

Retired Employee Medical Plans

Cigna healthcare plans continue to be offered to eligible retirees, and dependents who are under age 65, or dependents over age 65 and not Medicare eligible.

This plan offers a higher level of coverage with a lower out-of-pocket expense when receiving services, while having access to nationwide providers in exchange for a higher premium.

• No Primary Care Physician selection required
• No referral for Specialists
• Nationwide Provider Network
• Low Deductible – deductible must be satisfied for services subject to co-insurance
• Lower Primary Care Physician co-payment
• Lower Urgent Care co-payment
• $0 co-payment for Telemedicine
• $0 co-payment for Generic Seven Drug Classes (both retail & 90-day supply)

This plan offers individuals needing less access to care a lower premium option, with access to nationwide providers in exchange for a higher out-of-pocket expense when receiving services.  

• No Primary Care Physician selection required
• No referral for Specialists
• Co-payments for Primary and Specialist visits
• Co-payments for Urgent visits
• Nationwide Provider Network
• Low Deductible – deductible must be satisfied for services subject to co-insurance
• $0 co-payment for Telemedicine
• $0 co-payment for Generic Seven Drug Classes (both retail & 90-day supply)

This plan offers a lower out-of-pocket expense when receiving services, a lower premium, and a narrow strong network of providers. You must reside in the tri-county area (Miami-Dade, Broward and Palm Beach Counties).

• Selection of Primary Care Physician required
• Referrals needed for Specialists
• Narrow network with a minimum disruption in comparison to the OAP Plans
• Co-payments for Primary and Specialist visits
• Low co-payments for Urgent visits
• A significant lower deductible – deductible must be satisfied for services subject to co-insurance
• A significant lower Maximum Out of Pocket – The amount that you must pay before the plan covers 100% of all the services subject to co-insurance
• $0 co-payment for Telemedicine
• $0 co-payment for Generic Seven Drug Classes (both retail & 90-day supply)