CTPF 2027 MEDICARE HEALTH INSURANCE HANDBOOK
10
HIPAA Authorized Representative
If you want a family member to assist you with health 
insurance issues, you can submit a HIPAA Authorized 
Representative Designation form, available at www.ctpf.org 
or from Member Services. Your Authorized Representative 
may discuss your health insurance options, but cannot 
make care or treatment decisions.
Power of Attorney 
If you would like a family member or other representative 
to act on your behalf, you must submit a completed 
power of attorney form to CTPF and to each of your health 
insurance carriers. Power of Attorney ends upon the death 
of the member.
Fraud
Falsifying information and/or documentation to obtain 
health insurance coverage through CTPF will result in a loss 
of health insurance. 
Disclaimer
If this summary description differs from the plan text or 
any plan term or condition, the official contract document 
governs. This handbook contains information regarding 
benefits voluntarily provided by CTPF. Plan provisions may 
change without prior notice. All plans are subject to and 
must comply with any applicable state or federal law. To 
the extent this summary description differs from current or 
future applicable state or federal law, the applicable state 
or federal law governs.
Health Information Privacy Policy 
Health Insurance Portability and Accountability Act 
of 1996 (HIPAA). Protected Health Information (PHI) 
is health information that can be associated with a 
member using personal identifiers such as name or Social         
Security number.
In the course of providing health insurance benefits to our 
members and administering CTPF’s health insurance plans, 
CTPF may receive and create PHI. Disclosure of PHI is
generally limited to activities associated with 
administration of health care benefits including plan 
enrollment, premium payments, and facilitation of plan 
coverage.
CTPF makes every effort to disclose only minimum PHI 
when necessary, in compliance with federal and state law 
and CTPF’s Privacy Policy. A copy of CTPF‘s Privacy Notice 
is available upon request by contacting the Health Benefits 
Department.
Dental 
Plans
CTPF health insurance plans do not include dental coverage. CTPF annuitants 
may enroll in dental insurance offered through private insurers or a group plan 
through the Retired Teachers Association of Chicago. 
HEALTH INSURANCE CHECKUP
See the Contact section for information. 
General Information

View this content as a flipbook by clicking here.