Retiree Health Benefits 2023

Open Enrollment for benefits will begin on Monday, October 31, 2022 and end on Friday, November 18, 2022.

Open Enrollment is your opportunity to review your Frederick County Government benefits to ensure you have the coverage you need. During Open Enrollment you may add or drop covered dependents, add or drop benefit plans and/or change your benefit plans.

2023 Open Enrollment Retiree Announcement

Open Enrollment FAQ's

Open Enrollment Informational Meeting Dates

In-Person Meeting Dates:


Winchester Hall, 1st Floor Hearing Room

12 E Church Street, Frederick MD 21701

  • Friday, November 4th at 10:00am (All Benefit Review)
  • Friday, November 4th at 1:00pm (Cigna True Choice PPO Plan Overview)

Virtual Meeting Dates:


  • Wednesday, November 9th at 10:00am (Cigna True Choice PPO Plan Overview)

Join on your computer, mobile app or room device 

Click here to join the meeting 

Meeting ID: 288 821 414 669 
Passcode: BxDos8 

Or call in (audio only) 

+1 667-217-6643,,72007310#   

Phone Conference ID: 720 073 10# 


  • Monday, November 14th at 1:00pm (All Benefit Review)

Join on your computer, mobile app or room device 

Click here to join the meeting 

Meeting ID: 221 985 433 437 
Passcode: uGmikD 


Or call in (audio only) 

+1 667-217-6643,,311716992#   United States, Baltimore 

Phone Conference ID: 311 716 992#


2023 Benefit Highlights

As of January 1, 2023, expect a few improvements and changes to your benefits:

  • New Cigna medical ID cards with new ID numbers will be issued this year. This new card must be used starting January 1, 2023. Discard all old medical ID cards; they will not be accepted after December 31, 2022.
  • Great news—the Medical & Dental plan premiums will not have an increase for 2023 and the VSP vision premium will decrease for 2023.
  • The Cigna True Choice Medicare (PPO) plan will continue to be available to 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




Want to receive updates and reminders about Open Enrollment?

Text Retirees2023 to 888777



If you are adding new coverage and/or changing or canceling your current coverage, your completed enrollment forms must be received or postmarked no later than Friday, November 18, 2022. 

If you use the U.S. Postal Service, please allow extra time for delivery.


Changes to your plan(s) will be effective January 1, 2023.

Any changes in cost for coverage will be reflected in your February 1, 2023, County or State pension benefit payment or invoiced to you for January 1, 2023. 


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

Enrollment Form and Rate Sheet

     2023 Benefits Rate Sheet

Benefit Enrollment / Change Form

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