Open Enrollment

Overview Kwasi Yeboah Jr

Open Enrollment Central

The 2020 Open Enrollment Period for health insurance will be October 1- October 31, 2019. Plan changes made during Open Enrollment become effective January 1, 2020.

All health plans offered in 2019 will be offered in 2020. Members currently enrolled in CTPF plans DO NOT need to take any action to stay enrolled.

New in 2020

Find a summary of 2020 Plan changes and updates here.

Plan Enhancements for the UnitedHealthcare Group Medicare Advantage PPO

The UnitedHealthcare (UHC) Medicare Advantage PPO plan has been enhanced with additional features including a reduced deductible of $175 and the elimination of all coinsurance. The enhanced plan now covers most medical services at 100% once the deductible is satisfied. A copayment of $50 has been added for emergency room visits (waived if admitted).

Changes to the AARP Medicare Supplement Plan F (UnitedHealthcare)

Enrollment limited: Due to a change in federal legislation, the AARP plan F will not be open to individuals who are turning age 65 on or after January 1, 2020. Members who are age 65 or older prior to January 1, 2020, may continue to choose coverage in Plan F.

Premium changes: Starting in 2020, men and women may be charged different rates. On average, males will be charged higher rates. In most states this change will only apply to new enrollees. Contact United HealthCare directly for a quote.

Plan Options

CTPF-Sponsored Health Insurance Program

Choosing a health insurance plan for you and your eligible dependents is one of your most important decisions. CTPF sponsors comprehensive health insurance plans designed to promote wellness and provide high-quality coverage at a reasonable cost. CTPF offers health insurance benefits to retirees, dependents, and survivors if the retiree’s final teaching service was with the Chicago Public or Charter Schools.  

Qualified retirees may enroll in a plan for: 

  • Non-Medicare eligible members 
  • Medicare-eligible members who maintain enrollment in Medicare Part A and Part B

Eligibility & Enrollment Requirements

CTPF retirees/survivors and their eligible dependents may qualify to enroll in a CTPF health insurance plan. To qualify, CTPF must be the retiree’s final retirement system. A retiree/survivor and/or dependent may initially enroll in a CTPF plan once in a lifetime, unless he or she experiences a qualifying event. A member who leaves a CTPF plan after initial enrollment may re-enroll in a CTPF health insurance plan one time without a qualified change in status, with proof of prior medical and prescription drug coverage.

Click here for a list of eligibility and enrollment requirements for CTPF plans.

New this year: Opt-In Policy Change

Opt-In Policy Change

The CTPF Board of Trustees voted to allow eligible members to re-enroll in a CTPF health insurance plan one time without a qualified change in status. Previously, enrollment was only allowed once in a lifetime, unless the member experienced a qualifying event (marriage, birth, death, etc.). Individuals who want to rejoin a CTPF plan must do so during an open enrollment period. A member applying to re-enroll must have proof of insurance coverage (medical and prescription drug) as of the beginning of the open enrollment period (October 1), and maintain coverage through December 31 of that year. 

CTPF insurance coverage becomes effective the following January 1.

Open Enrollment Webinars 

Open Enrollment webinars offer an overview of CTPF’s 2020 health plan choices, changes and costs, and a live Q & A session from the convenience of your computer. The information presented during the webinars is the same as the seminars. 

The webinars will be posted for on-demand viewing after their presentation. 

Registration is required. Click the links below to register for a webinar.

Open Enrollment Seminars

Open Enrollment Seminars offer an overview of CTPF’s 2020 health plan choices, changes and costs, and include a question and answer session following the presentation. Representatives from all our insurance carriers will be available at all CTPF seminars to answer individual questions about their plans. 

Registration for seminars opens Wednesday, September 25, 2019, at 9:00 a.m.

Tuesday, October 8, 2019 Thursday, October 10, 2019

3rd Floor Conference Center *new location

425 South Financial Place
Chicago, Illinois      

Medicare Plans | 9:00 a.m. 

Non-Medicare Plans | 1:00 p.m. 

Hilton Oak Lawn Ballroom

9333 South Cicero Ave.
Oak Lawn, Illinois        

Medicare Plans | 9:00 a.m.

Non-Medicare Plans | 1:00 p.m. 

* Note: all attendees must be preregistered for this event, and present a photo ID to security personnel before being admitted to the conference center. Please allow extra time for the security measures in this building.

Health Insurance Handbook

The 2020 Health Insurance Handbook provides information about CTPF’s current health insurance options, rates, and changes to health insurance plans. Please read this handbook carefully and familiarize yourself with your options.

Information contained in the 2020 Health Insurance Handbook:

  • 2020 Medicare Rates Changes
  • 2020 Medicare Plan Information including changes to AARP Plan F and UHCMA
  • Medicare Plan Comparison and Premium Charts
  • Medicare Star Ratings
  • 2020 Non-Medicare Plan Information
  • Non-Medicare Plan Comparison and Premium Charts
  • Prescription Drug Plan Information
  • Medicare Part D Plan Update
  • 2020 Health Insurance Premium Subsidy
  • Outside Rebate Program
  • Medicare Part A Subsidy Change
  • CPS/Charter School Continuation Coverage (COBRA)
  • Turning Age 65
  • Authorized Representative

2020 Open Enrollment Forms

Medicare eligible members and Non-Medicare eligible members use CTPF Form 350 to enroll in a health insurance plan. If you are Medicare-Eligible, see the instructions on the “How to Enroll” page in the Health Insurance Handbook. 

Click here to access health insurance enrollment forms. 

Important Open Enrollment Dates

August 30 Webinar registration opens, 9:00 a.m.
September 25 Seminar registration opens, 9:00 a.m.
October 1 2020 Open Enrollment period begins
October 1 Non-Medicare Eligible Open Enrollment webinar, 10:00 a.m.
October 2 Medicare Eligible Open Enrollment webinar, 10:00 a.m.         
October 8

3rd Floor Conference Center *new location

425 South Financial Place
Chicago, Illinois      

Medicare Plans | 9:00 a.m. 

Non-Medicare Plans | 1:00 p.m. 

October 10

Hilton Oak Lawn Ballroom

9333 South Cicero Ave.
Oak Lawn, Illinois        

Medicare Plans | 9:00 a.m.

Non-Medicare Plans | 1:00 p.m. 

October 31

2020 Open Enrollment period closes. All forms must be postmarked by

this date and mailed to CTPF Member Services office.

January 1, 2020 Health Insurance plans become effective.

* Note: all attendees must be preregistered for this event, and present a photo ID to security personnel before being admitted to the conference center. Please allow extra time for the security measures in this building.