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CTPF 2027 MEDICARE HEALTH INSURANCE HANDBOOK
AARP® Medicare Supplement Insurance 
Plan F (UnitedHealthcare) with Express Scripts by 
Evernorth Health Services® (PDP) for CTPF
Available to Medicare recipients who turned 65 
prior to 2020 or in some instances, with a Medicare Part A 
Effective Date prior to 1/1/2020.
OUTPATIENT SERVICES 
(Medicare covered services only)
Chemotherapy, Radiation                                     
100% after Medicare pays
Emergency Room  100% after Medicare pays
Lab/X-Ray 100% after Medicare pays
Speech, Physical & Occupational Therapy, 
Outpatient Rehab
 100% after Medicare pays
Surgery 100% after Medicare pays
Urgent Care  100% after Medicare pays
PROFESSIONAL & OTHER SERVICES
(Medicare covered services only)
Ambulance 100% after Medicare pays (as long as 
Medicare approves)
Allergy Shots 100% after Medicare pays
Chiropractic Visits 100% after Medicare pays
Dental 100% after Medicare pays (limited services)
Diabetic Part B Covered Supplies                          
100% after Medicare pays
Hearing Exams 100% after Medicare pays
Home Health Services 100% after Medicare pays
Physician Office Visits 100% after Medicare pays
Preventive Care (physicals, diagnostics, 
immunizations) 100% after Medicare pays
Prosthetic Devices, Med. Equip                                     
100% after Medicare pays
Podiatry 100% after Medicare pays
Renal Dialysis 100% after Medicare pays
Transplants 100% after Medicare pays
Vision Services 100% after Medicare pays
Extra Benefits (wellness, vision, hearing and dental 
discounts)
Fitness Benefit is available in 36 states including Illinois. 
This program provides a free gym membership.
Contact carrier for more details on wellness and discount 
programs.
Plan Comparisons: Medicare-Eligible Members
Cigna Surround Group Supplement Plan
with Express Scripts by Evernorth Health Services® 
(PDP) (mirrors Plan G)
Available to Medicare recipients who turned 65 
on or after 2020 (or Part A effective date on or after 
1/1/2020).
OUTPATIENT SERVICES* 
(Part B deductible applies)
Chemotherapy, Radiation                                     
100% after Medicare pays
Emergency Room  100% after Medicare pays
Lab/X-Ray 100% after Medicare pays
Speech, Physical & Occupational Therapy, 
Outpatient Rehab
 100% after Medicare pays
Surgery 100% after Medicare pays
Urgent Care  100% after Medicare pays
PROFESSIONAL & OTHER SERVICES*
(Part B deductible applies)
Ambulance 100% after Medicare pays
Allergy Shots 100% after Medicare pays
Chiropractic Visits 100% after Medicare pays
Dental 100% after Medicare pays (limited services)
Diabetic Part B Covered Supplies                          
100% after Medicare pays
Hearing Exams 100% after Medicare pays
Home Health Services 100% after Medicare pays
Physician Office Visits 100% after Medicare pays
Preventive Care (physicals, diagnostics, 
immunizations) 100% after Medicare pays 
Deductible not applicable to preventive services.
Prosthetic Devices, Med. Equip                                     
100% after Medicare pays
Podiatry 100% after Medicare pays
Renal Dialysis 100% after Medicare pays
Transplants 100% after Medicare pays
Part B deductible would not apply to inpatient 
services.
Vision Services 100% after Medicare pays
Extra Benefits (wellness, vision, hearing and 
discounts)
Programs provide a $28 a month gym membership.  
Contact carrier for more details on wellness and 
discount programs or visit myCigna.com.
  *For Medicare covered services ONLY. Part B deductible must    
  be met before Medicare will pay. 
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