At the time of retirement, eligible National and International staff may elect to continue the medical insurance coverage previously held as staff members under the Bank’s Insurable Benefits Program. This decision is optional upon retirement, but irrevocable. If the retiree opts to continue medical coverage, that coverage may also be extended to his/her spouse and any eligible dependents.

Medical insurance premiums for National and International retirees are reviewed annually. Retirees who reside in the United States should file claims with Cigna Healthcare, while those residing outside of the United States should file claims with Cigna Global (unless medical services were provided in the United States).

CIGNA Program Administrator

Beginning January 1, 2023, Cigna Healthcare will replace Aetna as the medical, dental, and vision administrator for all members who live in the U.S. or Puerto Rico. 

Note that for all members who live in the U.S. or Puerto Rico, Express Scripts will continue to be the administrator for prescription drugs received in the U.S. or Puerto Rico. You will keep using your current Express Scripts ID card.

For members outside the U.S. or Puerto Rico, Cigna Global will be the new administrator replacing Aetna. Cigna Global will administer medical, dental, prescription drugs and vision services.

Learn more in the following link: 

Express Scripts is the administrator for prescription drugs received in the U.S. and Puerto Rico. For prescriptions received outside the U.S. and Puerto Rico, Aetna International is the administrator. Members residing outside of the U.S. and Puerto Rico have access to prescription drugs through Express Scripts when in the U.S. or Puerto Rico.

If you have any questions, contact the IDB Group Health and Life Insurance Group at HRD/ or at +1 (202) 623-3090.

Our main goal is to promote the health and well-being of our plan members.

The IDB Health Program provides coverage for medical, dental and vision for IDB Group Retirees and their eligible dependents. The Plan is self-funded. The IDB and Plan Participants contributions are placed in a fund for the sole purpose of paying members’ medical bills. The IDB Group pays a third-party, namely CIGNA Healthcare and GIGNA Global, an administrative fee to process claims and access its network of credentialed providers.

For detailed information about your benefits, please consult the Medical Benefits Program Handbooks in the section below.

For further information, contact the Offices of Staff Retirement Plans by e-mail at VPF/, or by telephone to (202) 623 3560.

On November 19th, 2019, the IDB created a new policy OR-318 with the IDB Regulations for Medical Insurance Program Committee:

Medical Second Opinion Services

If you would like to have a second medical opinion before having major surgery or for other reasons, please follow these steps depending on whether you are enrolled with Cigna Healthcare (in the U.S. and Puerto Rico) or with Cigna Global (outside the U.S. and Puerto Rico):

  • For Cigna Healthcare members: Visit any in-network provider (or out-of-network provider but your out-of-pocket costs will be higher) to receive a second opinion. Bring copies of any testing that you have related to the issue, such as lab work, MRIs, X-rays, etc. You would be responsible for the appropriate cost share for a sick visit to a doctor or a specialist.
  • For Cigna Global members: Cigna Global has the “Decision Support Program” to get a second opinion from world-renowned medical specialists so you can make informed decisions about your diagnosis and available treatment options. This service is free of cost and is only activated by your case manager with your consent or you can use the Contact Form in the ‘Contact’ section of to request a contact with the medical team for the activation of the Decision Support Program.

Please note that the Medical Benefits Program is no longer providing the second opinion service with Teladoc.

Other Health Services

The Bank’s Health Services Center at Headquarters also provides limited services to IDB retirees and their spouses including:

  • First aid and emergency care required at Headquarters.
  • Annual Health Fair services
  • Influenza vaccinations

For further information, Contact Health Services Center at (202) 623-3135 / Fax: (202) 623-3124 / e-mail:

Medical Program

Beginning January 1, 2023, Cigna Healthcare will replace Aetna as the medical, dental, and vision administrator for all members who live in the U.S. or Puerto Rico.  Express Scripts will continue to be the administrator for prescription drugs received in the U.S. or Puerto Rico. Member should keep using their current Express Scripts ID card.

Cigna Global will be the administrator of the medical, dental, vision, and prescription drug benefit plans for all members residing outside the U.S. and Puerto Rico.

Cigna Healthcare
+1 800-IDB-3637 (+1 800-432-3637)

Express Scripts
+1 855-521-0824

Cigna Global
U.S. toll-free phone: +1 800 297 9983 | Global phone: 323 293 1859 |

Medicare de P&A Group Reimbursement
(for international retirees 65 and older, residing in the United States)

Address: P&A Group – Flex Department

Attn: IDB Reimbursement Account
17 Court St, Suite 500
Buffalo, NY 14202
Teléfono: +1 (844) 852-2611
Fax: +1 (855) 362-7711

P&A Group 2023 – Reimbursement form

The Medical Benefits Mobile Web App features information about all the components of the Program. You do not need credentials or passwords to access the Medical Benefits Mobile Web App. It contains no personalized data, and you can access it anywhere you have an internet connection, such as a doctor’s office or drug store.

Click here to access the web app! 

Instructions on how to download

Our main goal is to promote the health and well-being of our plan members.

The IDB Health Program provides coverage for medical, dental and vision for IDB Group Retirees and their eligible dependents. The plan is self-funded. The IDB and plan members’ contributions are placed in a fund for the sole purpose of paying members’ medical bills. The IDB Group pays third-party administrators, Cigna Healthcare and Cigna Global, administrative fees to process claims and access their networks of credentialed providers.

We want all participants to get the care they need under the Program. But we do ask that when you are using the Program, you (and your dependents) make prudent choices that save you money and support the financial sustainability of the Program. That way we can all help keep premiums and coverage levels as stable as possible. Easy ways to do this include:

  • Actively managing any chronic conditions you may have to keep them from becoming more serious, such as taking your medications and following instructions from your doctor.
  • Take advantage of the preventive care coverage offered by the Program.
  • Select generic over brand name drugs, if available and approved by your doctor.
  • Engage case management nurses when they contact you about a serious or complicated medical issue.
  • Choose in-network health providers when possible, particularly in the US. In-network rates mean a lower copay for your and significant savings for the Medical Program.
  • Choose telemedicine, urgent care facilities (UCFs) or retail clinics (e.g., CVS Minute Clinics) instead of the emergency room (ER), when appropriate.
  • Consult Teledoc Medical Experts if you have a serious condition. With Teladoc Medical Experts, you can have an expert doctor review your diagnosis and treatment plan, and ask basic medical questions, so you and your doctor can review your options at no cost to you.
  • Insurance Benefits Office: 
    Telephone: +1 (202) 623-3137; e-mail: HRD/
  • Raquel Lopez (NW-463): 
    Telephone: +1 (202) 623-1637; e-mail:
  • Maria Macarena Pardo Berbel (SE0546)
    Telephone: +1 (202) 623-2500; e-mail:
  • Carmen Sanabria (NW-465) – Medicare: 
    Telephone: +1 (202 ) 623-3137; e-mail:

The Medical Benefits Handbook provide detailed information about the medical, dental, vision and prescription drug plans. 

**The Medical Benefits Handbooks are in process of being updated by the IDB.

Please see this document for detailed information about how Medicare works with the IDB Medical Plan. 

Medicare is the hospital and medical insurance program sponsored by the US Government. Once members of the IDBG Medical Benefit Program become eligible members of Medicare Part B, coordination of benefits between both programs start to take effect. Enrollment in Medicare Part B is mandatory for participants in the IDB Group Medical Insurance Program at age 65. The IDB Medical Plan reimburses for the cost of the Medicare Part B premium to eligible participants. P&A Group handles Medicare Part B reimbursements for enrolled participants and their eligible dependents on behalf of the IDB.

Who is eligible for Medicare Part B?

  1. US citizens
  2. Qualified by residence (if you have lived in the US for 5 years in a row)
  3. Qualified by age (65) and marriage
  4. US Permanent Resident (the time spent as a G4 Visa holder prior to become a permanent resident counts toward the 5-year residency requirement to be eligible for Medicare Part B.

Yearly Reimbursement Process 

To receive reimbursement every calendar year, you must send to P&A Group a copy of the letter from the Social Security Administration or the Notice of Medicare Premium Bills from the “Centers of Medicare & Medicaid Services” (CMS), which indicates your upcoming year’s Medicare Part B premium. This process is done in December, when you receive the new premium rate from Medicare. You may submit your reimbursement request by completing the P&A Group form and including a copy of the official letter document from Medicare. Send by fax or mail. For contact information, please click here.

2023 Form: Medicare Part B Reimbursement Form

P&A Group also offers:

  • Online account to manage and monitor your reimbursements
  • Online access to your account 24/7 at (not mandatory to create account)
  • Step by step on how to access your benefits
  • Customer Service Monday to Friday, 8:30 am to 8:00 pm EST
  • Email account notifications on refund status and other information
  • Online refund premium request

Please note:

  • Once you receive your yearly Medicare Part B premium information, please submit to the P&A Group in order to receive your reimbursement
  • There is no deadline. However, the earlier you submit your Medicare premium information, the faster you will receive your reimbursement. Retroactive payments apply for late submissions
  • P&A Group will deposit your reimbursement on a monthly basis in the same account which the IDB deposits your pension
  • Medicare Part B premium claims older than two (2) years will lapse and become ineligible for reimbursement.
  • Incomplete documentation may delay reimbursements 

General Information about the passing of a retiree or spouse of a retiree

The beneficiary needs to contact the Office of the Staff Retirement Plans by any of the following means:

SRP General Telephone Line: +1 (202) 623-3560
E-mail: vpf/
Regular mail:
Staff Retirement Plan 
Inter-American Development Bank
1300 New York Avenue N.W. Stop EO507
Washington, D.C. 20577

Once we have been informed of the death, the Retirement Plans Office will update its records and send information only to the beneficiary or the Attorney in Fact regarding the beneficiaries and any survivor or insurance benefits that may be applicable. Therefore, we strongly suggest that the Form Power of Attorney is kept up to date.

Please note that the last monthly pension payment to the deceased retiree will be made at the end of the month in which the retiree died, in the same stablished way. Therefore, we strongly recommend not to close that bank account until the following month.

If the retiree is survived by a qualified spouse, the spouse will be entitled to a lifetime pension. If the retiree is not survived by a qualified spouse, Section 4.5(f)(ii) of the Staff Retirement Plan establishes that a lump sum payment shall be made to the designated beneficiaries on record. Therefore, we strongly suggest that the form Designation of Beneficiaries is kept up to date.

If the retiree is survived by a qualified spouse, at the spouse’s death the Plan’s benefits are considered extinguished.

Additionally, retirees and spouses have a life insurance benefit that will be paid to the designated beneficiaries on record. The amount of this benefit is variable, depending on the option selected by the retiree at the time of retirement, but currently, it should not be less than $10,000 for the retiree or $5,000 for the spouse. If the retired participant took the High Option, the amount should not be less than 10% of the last salary or $15,000 whichever is greater. The spouse’s High Option is $7,500. Payment of this benefit is subject to retentions for possible excess of payment; therefore, verification and authorization from the Medical Insurance, Taxes, and Payroll offices will be needed.

The following documentation must be forwarded to Staff Retirement Plans office in order to process the payments of benefits described above:

  • Death Certificate; original or certified copy.
  • Request of Survivor’s Pension or Authorization for Payment of Benefits signed by each of the beneficiaries, as applicable. Forms will be sent to beneficiaries.
  • Authorization for Payment of Life Insurance signed by each of the beneficiaries. Forms will be sent to beneficiaries.
  • Copy of tax returns and Form 1R, if the retiree was receiving tax advances. 
  • Copy of a Government issued identification with photography such as National ID, Driver’s license, Passport, etc., from each of the beneficiaries.
  • Copy of a voided check for checking account or a copy of a bank statement for savings account where the beneficiary name and account number is shown for verification.
  • The IDB only makes electronic payments to a bank account under the beneficiaries’ names, so please indicate the type of bank account. If the bank is outside the U.S., the form for deposits outside the U.S. must be sent as well because the transaction would be processed via SWIFT.

For questions, please contact the Staff Retirement Plans Office.
Updates on April 2020.

SRP-668 Designation of Beneficiary

What is LifeWorks?

The Bank offers an Employee Assistance Program (EAP), a confidential counseling and referral service to assist retirees and their eligible dependents with personal problems that adversely affect their quality of life.

The Employee Assistance Program (EAP) is offered through LifeWorks by Morneau Shepell to provide you with free, confidential counseling services to address issues affecting mental and emotional well-being.

LifeWorks is an exciting and innovative well-being solution that is available 24/7 to help you:

  • Connect to news and updates through the platform’s News Feed
  • Access a wealth of online resources and information to support your mental, physical, social, and financial well-being.
  • Get expert guidance from professional advisors, any time, about issues of concern, either work-related or in your personal life
  • Speak with a counselor if you have a problem that’s bigger than you.

What specific issues does LifeWorks help with?

  • Mental and emotional health, and safety concerns
  • Financial and legal topics
  • Work-related issues
  • Relationship and family matters 

Who is eligible?

  • LifeWorks is available to national and international IDB Group retirees and their eligible dependents (spouse and children <26 years old) 

How can I access LifeWorks?
LifeWorks is available to you 24/7. It can be accessed using a computer, phone, or tablet. 

Phone number:

  • +1-800-433-7916 (USA)
  • +1-905-886-3605 (Calls outside the USA). See instructions below:
    • Step 1: Call Canada direct at +1-905-886-3605*. You will be connected to a Morneau Shepell representative.
    • Step 2: Tell the representative the name of your employer and what country you are calling from and request that we call you back immediately or at a time convenient for you.
    • Step 3: Provide the representative with telephone number where you can be reached.

To access from a computer, go to and log in using your assigned country username and password. 

Download the app by going to the App Store or Google Play 


Get Care Now

  • +1-800-433-7916 (Calls inside of the US)
  • +1-905-886-3605 (Calls outside of the US)

In mid-March, HRD/INS hosted webinars with Cigna Healthcare and Cigna Global to give members a chance to ask questions and gather feedback on the new administrators. If you missed the webinars, please find the presentations and recordings here on the Medical Benefits mobile web app.

On July 12, 2023, an open town hall was held, where there was an open dialogue between the AJBID and members residing in Latin American, Caribbean and other countries outside the United States.

Below you can find the recording of the open Cabildo and copy of the Presentation.

Recording of the Townhall

In November 2023, Cigna Healthcare hosted webinars covering the basics about using some of the Cigna Healthcare resources, including:

  • Website tools: Finding your electronic ID card, OneGuide, provider search, and how to file a claim/review claim status.
  • What happens if you travel overseas? Process to follow, Guarantee of Payment (GOP), how to file a reimbursement claim.
  • How to contact Cigna Healthcare

To review the presentations or the recording of the webinar, choose a link below:

Understanding your Cigna Benefits Presentation

Recording of the Webinar