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Learn more about the details of your Baltimore County benefits plan, how to make changes and who to contact for specific questions.

Guides and Rates

View the guides and rates for active employees and retirees below, as well as forms related to benefits changes. The following documents are PDFs that open in a new window.

Labor First: Retiree Private Medicare Exchange

After a careful analysis of the evolving health care market and a successful pilot program, and in cooperation with our County Government Labor Union representatives, Baltimore County has partnered with Labor First to provide our Medicare-eligible retirees, dependents and beneficiaries with access to quality, value-added healthcare coverage. Labor First is a retiree benefit administrator and advocacy company that specializes in retiree healthcare and is not an insurance carrier.

Labor First now administers medical and prescription benefits exclusively through the Baltimore County Retiree Private Medicare Exchange. This transition offers sustainability over the long-term through an approach that allows the County to continue subsidizing your medical and prescription premiums based on your date and type of retirement, and years of service.  Labor First premiums will be conveniently deducted from your Baltimore County Pension Check. 

About the Plans

Watch the virtual retiree health seminar to learn more about the plans offered. Medicare Retirees have the choice of five prescription plans, three Cigna Medicare Advantage plans, the Kaiser Medicare Advantage plan, Cigna Medicare Surround Supplemental and United American Supplemental plan. The Mid and High Cigna Advantage and Prescription plans have the addition of an "adherence package" that makes thousands of maintenance drugs available at $0 copay and no deductible. The Insurance Division continues to administer dental, vision and life insurance for Medicare retirees, along with all non-Medicare plans.

Guides and Rates

View the 2021 Labor First Medicare Guide (PDF) the 2021 Medicare Exchange Rate Sheet (PDF).

Learn More

Labor First has a team of Retiree Advocates dedicated to Baltimore County Government that can assist with the enrollment process, retiree advocacy and other support services. Call 410‑431‑2226 or 1‑855‑499‑2656 to speak to an advocate via a personalized phone consultation to evaluate your individual needs and discuss plan options.

Review Your Beneficiaries

It's important to update your beneficiary designations as your life situation changes (e.g., marriage, divorce, death, birth of a child, etc.) to ensure that your life insurance proceeds are paid to the appropriate persons. 

Contact Your Plans

Contact your benefit plan directly using the information below.

Insurance TypePlan NameCustomer Service


Cigna Open Access Plus (OAP)
Cigna Open Access Plus In-Network (OAPIN)
Cigna Medicare Surround

Kaiser Permanente Select HMO, Prescription



Prescription (RX)

Cigna Pharmacy
Prescription Coverage for Cigna OAP, and Cigna


Retiree Medicare Supplemental and Prescription (RX)

Cigna-HealthSpring Rx (PDP)
Cigna Medicare Surround
Medicare Part D Prescription Drug Plan

Kaiser Permanente Medicare Plus, Prescription




CareFirst BCBS Dental PPO

Cigna Dental Plan (DHMO)



Mental Health

Cigna Open Access Plus OAP and OAPIN

Kaiser Permanente HMO




Employee Assistance Plan
(Password: Baltimore)



CareFirst BCBS Davis Vision


Flexible Spending Accounts

Benefit Strategies, LLC
Health and Dependent Care
Flexible Spending Accounts


Life Insurance



Private Medicare ExchangeLabor First410‑431‑2226 
(TTY: 711) 

County Contacts

Contact the County for the following questions regarding your benefits plan.


Insurance Division
Office of Budget and Finance

400 Washington Avenue, Room 111
Towson, Maryland 21204
Phone: 410-887-2568 or 1-800-274-4302
Fax: 410-887-3820
Mail Stop: 2105

  • Who is eligible for benefits
  • Changes in family status affecting benefits (marriage, divorce, birth or adoption, etc.)
  • Life insurance beneficiary changes
  • Retirement benefits
  • Continuing benefits under COBRA if you or your dependents lose County benefits 
  • Flexible Spending Account (FSA) enrollment and assistance

Baltimore County Retirement Office
400 Washington Avenue, Room 169
Towson, Maryland 21204
Phone: 410-887-8246 or 877-222-3741

  • Questions about your pension benefits or checks
  • Designation of or change to your beneficiary for retirement benefits
  • Changes to your address or other information on file in retirement office
  • Life status changes—death of retiree or beneficiary, divorce

Baltimore County Pay Systems
400 Washington Avenue, Room 169
Towson, Maryland 21204
Phone: 410-887-2420

  • Questions about pay deductions
  • Changes to tax withholding amounts
  • Changes to your direct deposit designation

Baltimore County Office of Human Resources
308 Allegheny Avenue
Towson, Maryland 21204
Phone: 410-887-3120
Fax: 410-887-6073
Mail Stop: 62

  • Coordination of benefits while on leave status
  • Family and Medical Leave Act (FMLA) requests
  • Other Paid or Unpaid Leaves of Absence

Baltimore County Public Library Human Resources
320 York Road
Towson, Maryland 21204

Contact: Donna Lee Cary
Phone: 410-887-6177, extension 5
Fax: 410-887-3025

This contact information applies only to Baltimore County Public Library active employees.

Effective January 1, 2019, Baltimore County Government will be administering benefits for Baltimore County Public Library Retirees.

Contact the Baltimore County Insurance Division if you have questions regarding Retiree Health Insurance benefits.

Explore Benefits


Contact Us

Benefits Division

400 Washington Avenue
Towson, Maryland 21204


Monday through Friday
8 a.m. to 4:30 p.m.





Edward P. Blades

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