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CTPF 2027 MEDICARE HEALTH INSURANCE HANDBOOK
2027 Plan Cost Comparison
This comparison is to be used as a guide. In case this summary differs from the health plan text or any health plan term or 
condition, the official contract document must govern. While every effort has been made to ensure up-to-date information, 
CTPF is not responsible for the final adjudication of insurance claims, which are solely the responsibility of the health plan. 
> This plan is available to Medicare recipients who turned 65 in 2020 or later.
^ This is the amount a dependent pays for single coverage in special circumstances when only one family member is Medicare eligible.            
 This plan is available to Medicare recipients who turned 65 prior to 2020. Premiums based on age, gender, geographic area, and are quoted 
directly by UnitedHealthcare. The amounts listed above are average costs. Contact UnitedHealthcare directly for an estimate of your cost, which 
will not include the cost of prescription drug coverage and/or the CTPF premium subsidy. See the Medicare Section for more information.
* The annuitant cost is the amount paid for monthly coverage after CTPF applies the health insurance premium subsidy. The 2027 subsidy is 
55% of total premium cost. See the Subsidy Program section for more information.
UnitedHealthcare 
Group Medicare 
Advantage PPO 
with Express Scripts by 
Evernorth Health Services® 
(PDP) 
Humana Group 
Medicare HMO 
with Part D Pharmacy
Cigna Surround Group 
Supplement Plan
with Express Scripts by 
Evernorth Health 
Services® (PDP) 
(mirrors Plan G)>
AARP® Medicare 
Supplement Plan F 
(UnitedHealthcare) 
with Express Scripts 
by Evernorth Health 
Services® (PDP)
CTPF annuitant cost for single coverage monthly premium cost with CTPF premium subsidy*
$103.05
$70.68
$154.78
 Age 70-71
  Age 72-74 
    Age 75+ 
$216.62 
$234.40
$259.58
CTPF annuitant + 1 dependent monthly premium cost with CTPF premium subsidy*
$332.05
$227.74
$498.72
 Age 70-71
  Age 72-74 
    Age 75+ 
$697.98 
$755.28
$836.42 
CTPF dependent cost for single coverage^ (dependents do not receive the CTPF premium subsidy)
$229.00
$157.06
$343.94
 Age 70-71
  Age 72-74 
    Age 75+ 
$481.36 
$520.88
$576.84
HEALTH INSURANCE CHECKUP
Filling a 
Prescription?
As new generics become available, if your doctor does not specifically state 
“no substitutions,” the pharmacy will fill your prescription with the new generic.
In addition, Medicare requires prior authorization (PA) each year to confirm that certain 
medications are medically necessary and covered under the plan. This process requires the 
prescriber to establish why the drug is needed and how it meets Medicare’s coverage rules. 
If you have questions about a PA, please contact your prescription drug carrier.  

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