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CTPF 2027 MEDICARE HEALTH INSURANCE HANDBOOK
When Can I Join? 
An eligible annuitant and/or dependent may initially enroll in a CTPF plan 
once in a lifetime, unless he or she experiences a qualifying 
event noted below. 
Initial Enrollment Period 
You may initially enroll in CTPF coverage when one of the 
following events occurs:
•	Within 30 days after COBRA continuation coverage 
ends,* unless coverage is cancelled due to                         
non-payment of premium
•	Within 30 days of the effective date of                          
pension/survivor benefits
•	During the annual Open Enrollment Period                        
(once in a lifetime) 
•	Within 30 days of first becoming eligible for Medicare 
•	When coverage is cancelled by a former group plan 
through no fault of your own 
* If COBRA coverage ends December 31, 2026, you may 
enroll in a CTPF plan during the Open Enrollment Period, 
October 1 - 31, 2026. Coverage becomes effective 
January 1, 2027.
Special Enrollment Period
In addition to the annual Open Enrollment Period, you 
have 30 days after a qualifying event to change plans or 
add an eligible dependent. Qualifying events may include:
•	change in permanent address that affects the 
availability of current coverage 
•	marriage/civil union or divorce/dissolution
•	birth, adoption, or legal guardianship
•	termination of a Primary Care Physician for                
HMO plan enrollees
•	becoming eligible for Medicare
One Time Opt-In
Eligible members may re-enroll in a CTPF 
health insurance plan one time without 
a qualified change in status (marriage, 
birth, death, etc.). Members who want 
to rejoin a CTPF plan must do so during a CTPF Open 
Enrollment Period. A member applying to re-enroll must 
have proof of insurance coverage (medical and prescription 
drug) as of the beginning of the Open Enrollment Period 
(October 1), and maintain coverage through December 31 
of that year. CTPF insurance coverage becomes effective 
the following January 1.
2027 Open Enrollment
The annual Open Enrollment Period is the time when you 
or a dependent can enroll in a CTPF plan or change plans. 
Open Enrollment runs October 1 - 31, 2026. Changes made 
during Open Enrollment become effective January 1, 2027.
Get started by following these steps:
1. Make sure you understand any plan changes.  
2. If you are currently enrolled in a CTPF plan and you   
want to continue coverage, you do not need to take 
any action. Your coverage will continue. 
3. If you or a dependent want to enroll or change plans, 
you must complete the appropriate enrollment forms. 
An enrollment form for most plans is included in 
this handbook. See the “How to Enroll” section of 
the comparison charts for plans not included on the 
enrollment form.
4. Return all completed enrollment forms and required    
documentation to CTPF. Forms returned to an insurance  
carrier will not be processed. 
CTPF encourages members to submit forms by fax or email 
when possible. See the Contact section for email, fax, and 
mailing information. 
INFO
Please indicate the qualifying event on CTPF Form 350 
and include any supporting documents detailing your 
reason for loss of coverage.

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