15 CTPF 2027 MEDICARE HEALTH INSURANCE HANDBOOK Before enrolling, you should confirm that any providers you wish to continue to see will accept the plan. At the time this handbook was printed, UChicago Medicine / University of Chicago Health System accepts AARP UHC Plan F, Humana Medicare Advantage HMO, and Cigna Group Surround Supplement Plans. UHC Medicare Advantage PPO is not currently accepted by UChicago Medicine / University of Chicago Health System and is presently under contract negotiations. The grandfathered member agreement for UHC and the UChicago Medicine / University of Chicago Health System is set to end on December 31, 2026. HEALTH INSURANCE CHECKUP Ensure Your Provider Accepts Your Plan IRMAA Higher Income Adjustments for Medicare Part B and Part D Medicare beneficiaries with higher incomes pay more for Part B and Part D insurance. This Income-Related Monthly Adjustment Amount (IRMAA) is deducted from a beneficiary’s Social Security benefit or direct-billed by Medicare. The Social Security Administration uses federal tax returns to determine high income status. Paying for IRMAA All IRMAA expenses are the total responsibility of the member. CTPF does not subsidize IRMAA. CTPF may bill a member to recover these costs if CTPF pays these costs in error. PART B: CTPF will make Medicare Part B IRMAA payments on your behalf if you are enrolled in CTPF’s MedPay Program. PART D: Government regulations prevent CTPF from making Medicare Part D IRMAA payments on your behalf. CMS will bill you monthly for this expense. Medicare Eligibility Due to Disability If you are under the age of 65 and receive SSA or RRB disability benefits, you are automatically enrolled in Medicare Part A and Part B after 24 months. You must notify CTPF in writing when you, or a dependent covered under your health plan, becomes eligible for Medicare due to disability. You may join a CTPF plan when you provide proof of Medicare Part A and Part B enrollment. Some CTPF plans have an age requirement; see the comparison charts for additional information. Additionally, it is your responsibility to notify CTPF if you are enrolled in Medicare Part A and Part B due to ESRD or ALS. Please visit www.medicare.gov for additional information. Medicare & You Medicare & You is the official US government Medicare handbook. If you would like a paper copy of this book you can: • Go online to www.medicare.gov and download a PDF. • Call 1-800-Medicare (1-800-633-4227) and request a copy; TTY users should call 1-877-486-2048. There are also advantages to saving the paper and going online at www.medicare.gov to reference the Medicare & You handbook. Any changes to Medicare are updated regularly online.
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