7 CTPF 2027 NON-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 Please indicate the qualifying event on CTPF Form 350 and include any supporting documents detailing your reason for loss of coverage. 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. 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. Changes That Impact Enrollment It’s important to keep CTPF informed if you have any of the following changes which may affect your enrollment status: • change of address for you or your dependents • death of a spouse or dependent • marriage, civil union, divorce, legal separation, annul ment • dependent loss of eligibility • change in Medicare status, including turning age 65, becoming Medicare eligible before age 65, or loss of Medicare coverage for any reason • you have been awarded benefits under Medicaid (it is important that you contact CTPF once you are informed that you have been approved to receive any type of Medicaid benefits; a copy of your Medicaid award letter should also be sent to CTPF) • your health plan or prescription ID card does not reflect your current enrollment • your pension deduction does not match your coverage or required premium
View this content as a flipbook by clicking here.