Retiree Information & Resources

This is intended for Frederick County Retirees currently enrolled in a Cigna Medical plan with FCG


It has come to our attention that Privia Medical Group may no longer be in our health plan network, Cigna Open Access Plus (OAP), starting February 20, 2023. If you or a covered family member have a provider in this medical group, you should receive a notification in the mail from Cigna and Privia in regards to this. 


We have been in communication with Cigna and they have assured us they are still actively negotiating with Privia and hope to come to an agreement soon.  We have voiced our serious concern with Cigna on how a change like this could affect our covered retirees and families. Cigna has indicated they are working diligently to prevent any disruption and will keep us as up to date as possible with any progress. 


If Privia Medical Group were to become out-of-network, participants may find new in-network providers by contacting our Cigna Customer Services Advocates 24/7/365 at 1-800-244-6224 or through your portal and app.  


Please let us know if you have any questions at this time.


Beginning January 1, 2023, pay advices from Wilmington Trust will have a new look. They will be printed on check stock paper, but is NOT a real check. It is a confirmation of your retirement benefit deposit. 

Click here to see a sample of the new pay advices.

* * * REMINDER * * *

Anyone enrolled in a Cigna Medical plan through Frederick County Government for 2023 will receive a new Medical ID card(s) in the mail. Use your new ID card(s) starting 1/1/2023 for any medical or pharmacy services. 

Your old ID card will not be valid after 12/31/2022.

You may view/print your new ID card(s) at any time through or the mycigna app, after 1/1/2023.

If you have questions you may reach the retirement team at or you may contact Cigna directly at 1-800-244-6224.

Cigna ID Card Plan Name Equivalents

  • Open Access Plus = Cigna OAP 
  • OA Plus In-network = Cigna Open Access Plus (OAP) In-network plan

Welcome Frederick County Government Retirees!

Frederick County Government is dedicated to providing you with the highest level of service. As of October 1, 2020, we havpartnered with Retirement Focus managed by USI Consulting Group formerly known as Findley Inc. (“Retirement Focus”) and Wilmington Trust to support the participants of our retirement plans. While Frederick County Government will remain the Plan Sponsor of the Retirement Plan, effective October 1, 2020, the service and administration of your retirement benefit payments will be maintained by Retirement Focus.


Effective October 1, 2020, Wilmington Trust began issuing monthly payments on behalf of The Plan. Benefit payments are no longer sent from Frederick County Government. We have provided answers to many of the most common questions HERE


To assist you with your initial login and an introduction to the self-service tools now available on the Retirement Focus portal (, please refer to the Retirement Focus User Guide. Please contact Retirement Focus should you have any questions or concerns at 833-771-1496. 


Please note that pension information is specific to the Frederick County Employees Retirement Plan and does not apply to county employees who participate in the State of Maryland Retirement System


For 457b Plan participants, after you retire you can deal directly with Empower's Retirement Solutions Group at 877-534-4569. Retirement Solutions Group helps participants with: 

* Savings and investing strategies 

* Managed Accounts service 

* Account consolidation and distribution 

Retirement Plan Committee Information


1099-R forms for 2022 will be mailed by Wilmington Trust and postmarked by January 31, 2023. 

If you have any questions about your 1099-R or have not received it by February 15th, please contact Retirement Focus at 1-833-771-1496

  1. Health Benefits
  2. Newsletter
  3. Pay Dates
  4. COLA FY23
  5. Forms

Click HERE to be directed to the 2023 Retiree Health Benefits Page


Click HERE to be directed to the 2022 Retiree Health Benefits Page

Should you have questions concerning retiree health and dental benefits, please feel free to contact Human Resources via email or call 301-600-1070.