CTPF 2027 NON-MEDICARE HEALTH INSURANCE HANDBOOK
10
Overview 
The following pages offer general descriptions of the types 
of health insurance options for CTPF annuitants who are not 
eligible for Medicare. All CTPF health insurance plans include 
comprehensive medical and prescription drug coverage. 
Specific plan information can be found in the plan charts.
Health Maintenance Organization 
(HMO)
CTPF offers the Blue Cross Blue Shield HMO Illinois plan.  
This plan includes both medical and prescription drug 
coverage. 
The HMO does not have deductibles, coinsurance, or claim 
forms to file. All health care must be provided (except in 
emergencies) by doctors, hospitals, and pharmacies that 
belong to the HMO network. 
The HMO requires you to choose a primary care physician 
(PCP) to coordinate your care. Your PCP can be an internist, 
general practitioner, or family practitioner. You have the 
option to change your PCP at any time (changes may not be 
effective immediately). You must seek a referral for specialty 
care and use network providers except in an emergency. 
A directory of providers is available online or directly from 
the HMO. 
The HMO service area is limited, so consider this option 
carefully if you travel frequently, do not live in the same 
place for 12 months of the year, or have dependents living 
away from home. 
Preferred Provider Organization 
(PPO)
CTPF offers the Blue Cross Blue Shield PPO plan. This plan 
includes both medical and prescription drug coverage. 
A Preferred Provider Organization (PPO) is a network of 
physicians, hospitals, and other professionals that have 
agreed to accept established fees from a health plan.
You decide whether or not to use a PPO network provider, 
but plans generally pay a higher percentage of covered 
charges for services within the PPO network. 
Non-Medicare 
NON-MED
Health Insurance Options for Non-Medicare Eligible Members

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