b'.:Contents2023 Summary of Plan Changes 2 Non-Medicare. 14Open Enrollment Assistance 3 Overview.14Enrollment . 5 Chicago Public/Contract/Charter School Coverage14Enrollment Forms5 Health Maintenance Organization (HMO).14CHECKUP: Legal Name.5 Preferred Provider Organization (PPO)14ID Cards.6 Non-Medicare Plan Cost Comparison15 Turning Age 65.6 Plan Comparison: Non-Medicare Options.16-23Medicare Proof of Enrollment.6 Medicare 24Reducing Your Cost7 Overview24 HIPAA Authorized Representative7 Turning Age 65.24Power of Attorney.7 Medicare Advantage Plans24Fraud7 Medicare Star Ratings24Disclaimer.7 Medigap Plan.25CHECKUP: Dental Plans7 Express Scripts Prescription Drugs25Who Can Enroll in A CTPF Plan? Medicare Defined.268Annuitants and Dependents8 Applying for Medicare.26Survivors.8 Conversation Starter26Couple Coverage.8The Parts of Medicare.26Dependents Defined.8 Enrollment & Premium Payment.27When Can I Join? 9 Medicare Part A, B, D Premium.27Initial Enrollment Period 9 IRMAA Higher Income Adjustments27Special Enrollment Period.9 CTPF MedPay Program.28One Time Opt-In.9 Enrolling in MedPay282023 Open Enrollment.9Turning Age 6528What Changes Impact My Enrollment?10 CTPF Plan Enrollment Requirements28Dont Make A Costly Mistake.10 Medicare Eligibility Due to Disability.29CHECKUP: Address Changes.10 Medicare Eligibility Due to ESRD or ALS29How Do I End Insurance Coverage? 11 Medicare & You.29Voluntarily Ending Coverage.11CHECKUP: Other Medicare Part D Plans29Involuntarily Ending Coverage11Notice of Credible Coverage30Refund of Premium11 Cost Comparison: Medicare Eligible.31CTPF COBRA Eligibility11 Plan Comparison: Medicare Eligible32-37Subsidy Program . 12 Contact Information 38Health Insurance Premium12 General Information 39Subsidy for CTPF Non-Medicare Eligible Plans 12 Health Insurance Privacy Policy.39Subsidy for Medicare .12 Register for myCTPF.39Chicago Public, Charter & Contract Schools COBRA.12 Office/Mailing Address39Subsidy for CTPF Medicare Plans.13Outside Rebate Subsidy for Non-CTPF Plans.13CHECKUP: Authorized Representative.13 REFER to this handbook if you are attending an Open Enrollment Webinar and PLEASE KEEP this handbook for future reference.This handbook is also available at www.ctpf.org.4 CTPF 2023 HEALTH INSURANCE HANDBOOKCTPF 2023 HEALTH INSURANCE HANDBOOK'