Medical Plans for Retirees Under 65
The following information is regardless of the Rockwood Retiree Medical plan (Standard-Green and Tan or Essential) you are on.
Our Medical provider is Cigna. You can call them at 1-800-244-6224, visit their website or download their mobile app.
Our Pharmacy provider is Express-Scripts. You can call them at 1-844-494-1052, visit their website, or download their mobile app.
ID CARDS-Cigna and Express-Scripts no longer automatically mail out ID cards unless you call them and request one. You can access them on their mobile apps and have them with you everywhere you take your phone. You can also look up in-network doctors and pharmacies, look at claims, price medications, etc. You can also access your Cigna ID card on the Cigna website; scroll to the bottom of the page and select Get an ID Card or call Cigna at 1-800-244-6224 and Express-Scripts at 1-844-494-1052.
The Standard and Essential plans do not require the election of a primary care physician or the need to obtain referrals for specialized care. All plans provide 100% coverage for well-care when using in-network providers. All plans utilize the same network of physicians.
Be sure and visit the Wellness site on the right hand side for wellness classes and opportunities to earn cash for wellness choices.
Use your Cigna ID card at the doctor or hospital and your Express-Scripts ID card at the pharmacy. Whenever possible, generics provide the most economical way to fill your prescriptions.
Eligible for Medicare
Rockwood offers retirees a Medicare Advantage Plan for retirees once they are eligible for Medicare.
See below for information for the Standard Plan and Essential Plan.
Documents
Standard Plan
If you were on the standard plan when you retired, this is the plan you were eligible for as a retiree.
Retirees on the standard plan and under 65 have two choices for their medical plan: the Green PPO Plan and the Tan High Deductible Plan.
However, there are differences in how the plans work and your out of pocket expenses.
Tan High Deductible Plan
- Lower Premiums
- Higher deductible
- Once the deductible is met, you pay 90% coinsurance
- You must reach the deductible before the copays for prescriptions kick in
- You can contribute to an HSA
Green PPO Plan
- Higher Premiums
- Lower deductible
- Once the deductible is met, you pay 80% coinsurance
- Copays for prescriptions kicks in on day one. You do not have to meet the deductible first
- You do not need to reach your deductible for office visit copays to kick in
Prescription Plan Information
Whenever possible, generics provide the most economical way to fill your prescriptions.
Rockwood is enrolled in the Smart90 program through Express Scripts. To fill maintenance medications and receive the discount, you have the option of filling through home delivery from Express Scripts Pharmacy or at a participating retail pharmacy, but it must be a 90-day supply. You will be allowed to fill a 30-day supply of your maintenance medicine two times. After that, you will be required to fill your medication at a 90-day supply. If you continue to fill a 30-day supply, then you will be responsible for 100 percent of the cost of the medication. When filling a 90-day supply, you receive copay savings.
If you are considering changing plans during Open Enrollment and need to know what the cost of medications are on the other plan, click here. Select either Tan or Green, click on Price a Medication, type in the name of the medication and your demographics and you should be able to find the costs of your medications on the other plan.
Please refer to the tables below:
| Pharmacy Benefits | 30-day Supply | 90-day Supply | 90-Day Supply Home Delivery |
|---|---|---|---|
| Generic copay | $10 | $20 | $20 |
| Preferred copay | $35 | $70 | $70 |
| Non-preferred copay | $60 | $120 | $120 |
| Pharmacy Benefit | 1-30 day supply | 31-60 day supply | 61-90 day supply |
|---|---|---|---|
| Specialty Medications | 10% with $100 max |
10% with $200 max |
10% with $300 max |
For the Green plan, the deductible does not apply. You will receive copay savings from day one. For the Tan plan, the deductible must be met before the copay is applied. This means when you are on the Tan plan, you pay the full cost for your prescriptions until you reach your deductible.
If you are considering changing plans during Open Enrollment and need to know what the cost of medications are on the other plan, click here. Select either Tan or Green, click on Price a Medication, type in the name of the medication and your demographics and you should be able to find the costs of your medications on the other plan.
Download the Extended Payment Program Flyer (PDF)
Tan Plan Summary Plan Description (SPD) 2025-26
Green Plan Summary Plan Description (SPD) 2025-26
Essential Plan
If you were on the essential plan when you retired, this is the plan you were eligible for as a retiree.
Medical claims and prescriptions are paid at full cost until the deductible is met. Once the deductible is met, the plan pays 70% and the member pays 30% until the out of pocket max is met.
Essential Plan Summary Plan Description 2025-26