CTPF 2027 MEDICARE HEALTH INSURANCE HANDBOOK
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Contents
2027 Open Enrollment.....................................................2
2027 Plan Cost Comparison.............................................3
Health Insurance Checkup................................................3
Enrollment.........................................................................5
Enrollment Forms..........................................................5
COBRA Enrollees............................................................5
ID Cards..........................................................................5
CHECKUP: Legal Name...................................................5
Who Can Enroll in A CTPF Plan?.....................................6
Annuitants and Dependents..........................................6
Survivors.......................................................................6
Couple Coverage...........................................................6 
Dependents Defined.......................................................6
When Can I Join?..............................................................7
Initial Enrollment Period ................................................7
Special Enrollment Period...............................................7
One Time Opt-In.............................................................7
2027 Open Enrollment...................................................7
What Changes Impact My Enrollment?..........................8
Don’t Make A Costly Mistake.........................................8
CHECKUP: Address Changes...........................................8
How Do I End Insurance Coverage?...............................9
Voluntarily Ending Coverage............................................9 
Involuntarily Ending Coverage.........................................9 
Refund of Premium.........................................................9
CTPF COBRA Eligibility.....................................................9
General Information.....................................................10
HIPAA Authorized Representative...............................10
Power of Attorney.......................................................10
Fraud.............................................................................10
Disclaimer....................................................................10
Health Information Privacy Policy.................................10
CHECKUP: Dental Plans..................................................10
Subsidy Program.........................................................11
Health Insurance Premium........................................11  
Subsidy for Medicare	.................................................11
Subsidy for CTPF Medicare Plans...............................11
Outside Rebate Subsidy for Non-CTPF Plans.............11
Medicare......................................................................12
Overview....................................................................12 
Medicare Advantage Plans........................................12
Medicare Star Ratings................................................12
Medigap (Supplement) Plan......................................12
Express Scripts by Evernorth Health Services® 
Prescription Drugs..................................................13
Medicare Premium Payment....................................14
Medicare Part A Premium.........................................14
CTPF MedPay Program....................................... .......14
Medicare Part B Premium..........................................14
Medicare Part D Premium...........................................14
IRMAA Higher Income Adjustments...........................15
Medicare Eligibility Due to Disability.........................15
Medicare & You.........................................................15
CHECKUP: Ensure Your Provider Accepts Your Plan...15
Plan Comparisons: Medicare Eligible....................16-21
Notice of Creditable Coverage..................................22
Contact Information..................................................23
REFER to this handbook if you are attending an Open Enrollment 
Webinar or Seminar and PLEASE KEEP this handbook for future reference.
This handbook is also available at www.ctpf.org.

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