Retiree 2024 Open Enrollment & Health Plan Changes

2024 Active Open Enrollment Has Ended

This year the County is doing an active open enrollment which requires every retiree on the County health plan to make an active new election through retiree self-service, a new online portal just for retirees. All new enrollments become effective on January 1, 2024.

Your current plan elections from this year will not carry forward into the next plan year. This year all benefit-eligible retirees will be required to make a new election for medical/prescription drug, dental/vision. Retirees who do not make an election in November 2023 during open enrollment will waive coverage for the 2024 plan year, meaning they lose health plan coverage effective January 1, 2024.

Enroll in Benefits Beginning November 1

Plan elections can be made beginning November 1, 2023 using the button on the right.

Open Enrollment Meetings, Recordings and Assistance

View the meetings schedule and recordings.
CIGNA Care Advocate- Loudoun County and CIGNA offer a Care Advocate who will meet with you virtually to assist with your medical benefits questions, explain medical claim processing and can provide other services and resources available through the Cigna medical plan.
- Schedule an appointment here with Cigna’s Care Advocate on Mondays in November between 10 a.m. and 2 p.m.

Retirees who may need special accommodations in accessing the active Benefits Open Enrollment, have difficulty in navigating Oracle Retiree Self-Service, or need assistance in the participation of the educational and enrollment sessions leading up to enrollment, should email the Department of Human Resources to request support or call the Benefits Help Line at 703-777-0517.

Be Sure Your Information Is Up-To-Date - Emails Needed

It’s important to keep your contact information up to date. Having your current mailing address, phone number and email address on file ensures you will receive important retiree benefit information. The benefits department also needs your email address so that you have access to retiree self-service to make your elections.

If you don’t already have an email address on file, please provide it so that we can contact you quickly if we need to notify you about important information such as a change to your benefits. Use a personal email address that you will have access to, rather than a work email address.

To update your contact information, email us.

2024 Plan Year Rates and Resources

Visit Retiree Health Plan page.

2024 Health Plan Changes

At the July 5, 2023, Board of Supervisors Business Meeting, the Board voted to replace the current Cigna Point of Service (POS) network of medical providers with the Cigna Open Access Plus (OAP) network of medical providers while maintaining the same plan design and structure as the current POS plan. This means that beginning on January 1, 2024, there will be a new plan, Cigna OAP High. The Cigna OAP High medical plan option will provide the same coverage levels (e.g., copays, deductibles, coinsurances, out-of-pocket maximums) as the current POS plan.

How will the new OAP High plan compare to the current POS plan?

Currently, the POS plan requires participants to name a primary care provider, and then a referral is required for participants to see a specialist. The new OAP High plan will not require participants to name a primary care provider, and participants will not be required to obtain a referral to see a specialist. Participants will be able to see any in-network provider. Also, the new Cigna OAP High plan will provide participants with a national network of providers instead of the current POS plan’s regional network of providers available which is limited to Virginia, Maryland, the District of Columbia, and portions of West Virginia. One major benefit of this change is that nearly 800 out-of-network POS providers being utilized in the POS plan will be considered in-network once the OAP High plan becomes effective on January 1, 2024. This results in lower out-of-pocket costs for covered participants.

The national Cigna OAP network offers a new robust care management program, Cigna Health Matters Care Management (HMCM). Cigna Health Matters Care Management provides you and your family with a valuable resource for one-on-one support and guidance to the right programs and services for healthcare needs and conditions.

The table below summarizes the differences between the current POS plan and the new OAP High plan:

Check if your provider is in an OAP network

Visit cigna.com. Click on "Find a Doctor, Dentist or Facility" and then choose "Plans through your employer or school" to search the provider directory. Enter your applicable zip code and choose to search a Doctor by Type, By Name or by health facility.