13 CTPF 2027 MEDICARE HEALTH INSURANCE HANDBOOK Cigna Surround Group Supplement Plan (Mirrors Plan G) The Cigna Surround Group Supplement Plan is an employer-sponsored group retiree medical plan administered by Cigna Health and Life Insurance Company. This plan supplements original Medicare (Part A and Part B) and includes enhanced Medicare Part D prescription drug coverage administered by Express Scripts by Evernorth Health Services® (PDP) for CTPF. Cigna offers guaranteed acceptance and access to any provider throughout the country who accepts Medicare, without referrals or prior authorizations. The Cigna Surround Group Supplement Plan follows Medicare standard guidelines for covered services. This plan covers 100% of most Medicare-eligible expenses not paid by Medicare after the deductible is met. Cigna offers an affordable single national premium without regard to age-bands or geographic factors and may be a more affordable option as retirees age. New enrollees must submit completed enrollment applications to CTPF. This plan is available to Medicare recipients who turned 65 in 2020 or later. AARP Medicare Supplement Plan F (UnitedHealthcare) The AARP Medicare Supplement Plan F is an individual Medigap plan administered by UnitedHealthcare and endorsed by AARP. This plan supplements Original Medicare (Part A and Part B) and includes enhanced Medicare Part D prescription drug coverage administered by Express Scripts by Evernorth Health Services® (PDP) for CTPF. This is an individual plan that is 100% portable with guaranteed renewal. You can obtain medical care from any physician or hospital that accepts Medicare. Plan F covers 100% of most Medicare-eligible expenses not paid by Medicare. Plan F premiums are based on age, gender, vary by geographic area, and are quoted directly by UnitedHealthcare. UHC may raise rates annually and will send a letter to enrollees each spring with the health insurance premium increase information. Quotes and estimates from UHC do not include credits for the CTPF premium subsidy or the cost of prescription drug coverage. After you receive a quote or premium increase letter from UHC, contact CTPF to determine your final annual cost which will include the subsidy and prescription drug coverage. New enrollees must submit completed enrollment applications to CTPF. Note: If you have Medicare coverage for a reason other than age or if you turn 65 on or after January 1, 2020, you may not be able to enroll in this plan. Express Scripts by Evernorth Health Services® Prescription Drug Coverage Express Scripts by Evernorth Health Services® is the prescription drug benefits administrator for the UnitedHealthcare Group Medicare Advantage PPO, AARP Medicare Supplement Plan F (UnitedHealthcare) plans and the Cigna Surround Group Supplement plans. Enrollment in prescription drug coverage is automatic for these plans. Express Scripts by Evernorth Health Services® will send all new enrollees welcome kits with a separate prescription drug ID card. You will need to present this card at your pharmacy to receive prescription benefits. The Express Scripts by Evernorth Health Services® (PDP) for CTPF is an enhanced Part D prescription drug plan approved by Medicare. The plan is based on a drug formulary list which includes Medicare Part D drugs. View the drug formulary at the website: www.Express-Scripts.com/medd/ctpf. (Copays apply, see the “Important Pharmacy Notes” in the Plan Comparison Medicare - Eligible Members section.) If you qualify for “extra help” from the federal government for your prescription drug costs, your prescription copays and premium may be lower than those listed in this handbook. INFO Prescription Drug Plan Changes Each health insurance plan utilizes a formulary (a list of preferred prescription drugs). Formularies may change annually, so make sure you review your plan’s 2027 formulary to determine if your prescription expenses will change.
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