CTPF 2027 MEDICARE HEALTH INSURANCE HANDBOOK
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Health Insurance Options for Medicare Eligible Members
Overview 
The following pages offer general descriptions of the types 
of plans offered to CTPF annuitants who are eligible for and 
maintain active enrollment in Medicare Part A and 
Part B. All CTPF health insurance plans include 
comprehensive medical and prescription drug coverage. 
Specific plan information can be found in the charts in the 
Plan Cost Comparison section.  
Medicare Advantage Plans
A Medicare Advantage plan completely replaces original 
Medicare Part A and Part B coverage. In an Advantage 
plan, the plan administrator assumes all of the financial 
cost of the services provided to you, less the applicable 
copayments. CTPF offers two Medicare Advantage plans:
UnitedHealthcare Group Medicare 
Advantage PPO with Express Scripts by 
Evernorth Health Services®  (PDP) for CTPF 
You can obtain medical care from any physician, hospital, 
or provider that accepts Medicare. The plan includes 
enhanced Medicare Part D prescription drug coverage 
administered by Express Scripts by Evernorth Health 
Services® (PDP) for CTPF (see Express Scripts Prescription 
Drug Coverage for more information). This plan covers most 
medical services at 100% once the deductible is satisfied.
Plan premiums include the cost of prescription drug 
coverage. New enrollees must submit completed 
enrollment applications to CTPF. 
Medicare Advantage Note: This CTPF health plan is a custom 
plan that does not require the use of a network provider for 
coverage. Your benefit levels are the same whether or not 
you use a network provider. You may seek care from any 
provider nationwide that accepts Medicare. All Medicare 
Advantage plans are regulated by CMS (Centers for Medicare 
and Medicaid Services). CMS requires that certain language be 
included in all Medicare Advantage documents. 
If you have any questions, please call CTPF Member 
Services at 1-312-641-4464.
Humana Group HMO with 
Part D Pharmacy 
This plan is a traditional HMO where you select a Primary 
Care Provider to direct your care. You must use network 
physicians to receive benefits. The plan includes enhanced 
Medicare Part D prescription drug coverage provided 
through Humana. You typically pay a copay for services. 
Plan premiums, including the cost of prescription drug 
coverage, are located in the 2027 Plan Cost Comparison 
section. New enrollees must submit completed enrollment 
applications to CTPF. 
Medigap (Supplement) Plan
A Medigap policy is supplemental health insurance sold by 
private companies that helps pay the costs that Original 
Medicare (Parts A and B) does not cover, such as Part A and 
Part B deductibles, co-payments, and coinsurance. Original 
Medicare provides coverage first, then Medigap helps fill in 
the gaps. The federal government defines standard benefits 
for Medigap plans. Medigap premiums are regulated by 
each state. 
INFO
Medicare Star Ratings
The Centers for Medicare and Medicaid Services (CMS) 
uses a Star Rating system to measure how well Medicare 
Advantage plans and standalone Part D plans perform in 
categories such as customer service, member complaints, 
pricing and the array of services each offers. The ratings 
range from one to five stars, with five being the best 
and one the worst. 
To find your plan’s Star Rating, go to 
www.medicare.gov/find-a-plan/
Once there, enter your plan ID (shown below) and your 
home zip code. Please note that your plan is part of a larger 
health insurance contract with Medicare and will not match 
the name of your group plan:
UHC Medicare 
Advantage Plan   
H2001
Humana Medicare 
Advantage Plan  
H1468
Express Scripts 
Part D Plan
 S5660
Medicare

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