Retiree Health Benefits 2022

2022 Benefit Highlights

As of January 1, 2022, expect a few improvements and changes to your benefits:

  • The Dental premiums will reflect a decrease in 2022 (see 2022 Benefit Rate Chart below). The Dental PPO plans will cover composite resin filings (white colored) for all teeth per the coverage on the plan.
  • There will be a small increase for medical insurance premiums (see 2022 Benefit Rate Chart below).
  • NEW Cigna True Choice Medicare (PPO) Plan for Medicare eligible retiree plan participants. Details are provided below in the Medical Plan Information Tab.

Your Coverage

If you are unsure about which health and/or dental plan you are enrolled in currently, log into or download the myCigna app on your mobile device. If you have never used this website before, you will need to register first. Alternatively, you may call Cigna Customer Service at 1-800-244-6224

If you have questions about any of the medical and/or dental plan’s features, Cigna will operate a special Pre-Enrollment Hotline at 1-888-806-5042, starting November 1st.

If you have the County subsidized Medicare Supplement plans, AARP/United Healthcare will communicate any coverage updates and rates directly to you.

Retiree Health Policy - Retired Before July 1, 2021

Retiree Health Policy - Retired on July 1, 2021 and Later




Changes to your plan(s) will be effective January 1, 2022.

Any changes in cost for coverage will be reflected in your February 1, 2022, County or State pension benefit payment or invoiced to you for January 1, 2022. 


We will be holding a mid-year Special Enrollment in May to provide Medicare eligible Frederick County Government retirees and/or spouses the opportunity to elect the Cigna True Choice Medicare (PPO) plan, a new Medicare Advantage Plan. 

More information will be posted and mailed in April. 


  1. Enrollment
  2. Medical Plan Information
  3. Vision Plan Information
  4. Dental Plan Information
  5. Contact Us

Enrollment Form

Benefit Enrollment / Change Form

2022 Benefits Rate Sheet

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