CTPF 2027 NON-MEDICARE HEALTH INSURANCE HANDBOOK
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Health Information Privacy Policy
CTPF may use protected health information known as (PHI) as provided in the Health 
Insurance Portability and Accountability Act of 1996 (HIPAA). PHI is health information 
that can be associated with a member using personal identifiers such as name or Social 
Security number. 
In the course of providing health insurance benefits to our members and administering 
CTPF’s health insurance plans, CTPF may receive and create PHI. Disclosure of PHI is 
generally limited to activities associated with administration of health care benefits 
including plan enrollment, premium payments, and facilitation of plan coverage. 
CTPF makes every effort to disclose only minimum PHI when necessary, in compliance 
with federal and state law and CTPF’s Privacy Policy. 
A copy of CTPF‘s Privacy Notice is available upon request by contacting the Health 
Benefits Department.
General Information 
Authorized Representative 
An authorized representative (AR) is a trusted friend or family member that you designate 
to assist with your CTPF health care services.
Why Designate an AR?
Assigning an AR now ensures that the people you trust can ask questions, discuss claims, 
and advocate for you in the event that you need assistance with these matters. An AR does 
not have power of attorney and cannot make care or treatment decisions. 
How to Designate an AR with CTPF
Download CTPF Form 345 at www.ctpf.org/health-insurance-forms-publications, or call 
Member Services, 1-312-641-4464, to request one. Complete the form and return to CTPF.
Designate an AR with your Health Insurance Provider 
Each insurance provider has its own process and designation form. Call the customer service 
number found on your insurance card for more information.
Dental Plans 
CTPF health insurance plans do not include dental coverage. CTPF annuitants may enroll 
in dental insurance offered through private insurers or a group plan through the Retired 
Teachers Association of Chicago. 

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