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Retiree Health Benefits 2026
2026 Enrollment Forms
- 2026 CareFirst MAPD Enrollment Form* (PDF)
Use this form to enroll in the CareFirst MAPD medical plan for Medicare-eligible retirees and their spouse - 2026 Benefit Enrollment / Change Form* (PDF)
Use this form to update your Dental and Vision Plan elections.
It is also used to enroll in or make changes to your Cigna medical plan if you are a non-Medicare eligible retiree or have non-Medicare eligible dependents.
*Important: Do not complete this form in your web browser. Some required fields may not function properly. Please download and save the form to your computer.
Once completed, email the form(s) to Retirement@FrederickCountyMD.gov.
2026 Rate Sheets
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Medical Insurance Plan Options
CareFirst Medicare Advantage Plan
(Medicare-Eligible Medical Insurance Plan Option)
This plan is for Medicare Eligible retirees and spouses.
- Healthcare Benefits Guide (PDF)
- Welcome to CareFirst (PDF)
- Evidence of Coverage (PDF)
- Summary of Benefits (PDF)
Extra benefits included with this plan:
- Hearing Benefit (PDF)
- Silver Sneakers (PDF)
- Vision Benefit (PDF)
- CareFirst MAPD Health Concierge Services (PDF)
Eligibility and Premium Questions
Contact RetireeFirst at:
301-685-3471 or toll-free at 800-558-8157
TTY: 711
Available Monday–Friday, 8:00 a.m.–5:00 p.m. ET
Plan and Benefit Questions
Call CareFirst Medicare Advantage at:
833-939-4103
Available Monday–Friday, 8:00 a.m.–6:00 p.m. ET
More Information
Visit the CareFirst BlueCross BlueShield Group Advantage (PPO) Plan website:
www.carefirst.com/frederickgovt
Or call Member Services at:
833-939-4103
TTY: 711
Monday–Friday, 8:00 a.m.–6:00 p.m. ET
2026 Enrollment Form
*Do not complete this form in the browser window. The browser will not allow you to complete all required fields. Please download and save the form to your computer.
Return completed 2026 Benefit Enrollment / Change Form to Retirement@FrederickCountyMD.gov.
2026 Rate Sheets
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Cigna Healthcare Medical Plans
(Non-Medicare Eligible Medical Insurance Plan Options)
- Cigna Open Access Plus (OAP) In Network Plan
- Cigna High Deductible Plan (HDP) with Health Savings Account (HSA)
Cigna OAP In-Network Plan
- Benefit Summary (PDF)
- Benefit Summary (Ohio Residents) (PDF)
Cigna High Deductible Plan (HDP) with Health Savings Account (HSA)
- Benefit Summary (PDF)
- Health Savings Account (HSA) FAQ's (PDF)
- Benefit Document (PDF)
- Making the Most of Your HSA (PDF)
- Making the Most of Your Retirement with HSA (PDF)
- Investing Your HSA (PDF)
- HSA Bank Investment Options (PDF)
Cigna Open Access Plus Health Plan (Enrollment Closed)
- Benefit Summary (PDF)
2026 Enrollment Forms
- 2026 Benefit Enrollment / Change Form* (PDF)
Use this form to enroll in or make changes to your Cigna medical plan if you are a non-Medicare eligible retiree or dependent.
You should also use this form to update your Dental and Vision Plan elections.
*Important: Do not complete this form in your web browser. Some required fields may not function properly. Please download and save the form to your computer.
Once completed, email the form(s) to Retirement@FrederickCountyMD.gov.
2026 Rate Sheets
________________________________________________________________________________________________________________
Dental Insurance Plan Options
Cigna Dental - Basic Plan
- Benefit Summary (PDF)
- Benefit Summary (Texas Residents) (PDF)
Cigna Dental - Enhanced Plan
- Benefit Summary (PDF)
- Benefit Summary (Texas Residents) (PDF)
Cigna Dental - DHMO Plan
- Benefit Summary (PDF)
2026 Enrollment Forms
- 2026 CareFirst MAPD Enrollment Form* (PDF)
Use this form to enroll in the CareFirst MAPD medical plan for Medicare-eligible retirees and their spouse - 2026 Benefit Enrollment / Change Form* (PDF)
Use this form to update your Dental and Vision Plan elections.
*Important: Do not complete this form in your web browser. Some required fields may not function properly. Please download and save the form to your computer.
Once completed, email the form(s) to Retirement@FrederickCountyMD.gov.
2026 Rate Sheets
________________________________________________________________________________________________________________
Vison Insurance Plan Option
VSP Vision Plan
2026 Enrollment Forms
- 2026 CareFirst MAPD Enrollment Form* (PDF)
Use this form to enroll in the CareFirst MAPD medical plan for Medicare-eligible retirees and their spouse - 2026 Benefit Enrollment / Change Form* (PDF)
Use this form to update your Dental and Vision Plan elections.
*Important: Do not complete this form in your web browser. Some required fields may not function properly. Please download and save the form to your computer.
Once completed, email the form(s) to Retirement@FrederickCountyMD.gov.
2026 Rate Sheets
________________________________________________________________________________________________________________
Post Retirement Health Benefits Policy (updated effective 01/01/2025)
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Use the below information to contact your Frederick County Government Benefit Team and to submit your enrollment forms.
Department of Human Resources · 12 East Church Street · Frederick, MD 21701
Phone: 301-600-1070 · Fax: 301-600-2314
Email: Retirement@FrederickCountyMD.gov
*APPOINTMENTS ARE ENCOURAGED. We welcome you to email, fax, or mail your forms to us.