CTPF 2027 NON-MEDICARE HEALTH INSURANCE HANDBOOK
4
Contents
How Do I End Insurance Coverage?............................8
Voluntarily Ending Coverage.........................................8 
Involuntarily Ending Coverage......................................8 
Refund of Premium......................................................8
CTPF COBRA Eligibility..................................................8
Subsidy Program...........................................................9
Health Insurance Premium..........................................9  
CPS, Charter & Contract Schools COBRA Subsidy..........9
Outside Rebate Subsidy for Non-CTPF Plans...............9 
Non-Medicare..............................................................10
Overview....................................................................10
Health Maintenance Organization (HMO)..................10
Preferred Provider Organization (PPO).......................10
Plan Comparison: Non-Medicare Options..........11-15
General Information....................................................16
Dental Plans.............................................................16
     Health Insurance Privacy Policy..................................16
Authorized Representative.........................................16
Contact Information...................................................17
Register for myCTPF............. .......................................17
REFER to this handbook if you are attending 
an Open Enrollment Seminar or Webinar. 
2027 Open Enrollment....................................................2
2027 Plan Cost Comparison.............................................3
Enrollment.........................................................................5
Enrollment Forms..........................................................5
Chicago Public/Charter/Contract School 
Continuation Coverage..................................................5
ID Cards..........................................................................5
Turning Age 65...............................................................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
Changes That Impact Enrollment....................................7

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