b'Reducing Your Cost HIPAA Authorized RepresentativeCTPF Health Insurance Premium Subsidy If you want a family member to assist you with health CTPF members whose final teaching service was withinsurance issues, you can submit a HIPAA Authorized Chicago Public, Charter and Contract Schools may receiveRepresentative Designation form, available at www.ctpf.org a health insurance premium subsidy. The subsidy, setor from Member Services. Your Authorized Representative annually, pays a percentage of health insurance costsmay discuss your health insurance options, but cannot for eligible CTPF annuitants. The CTPF Board of Trusteesmake care or treatment decisions.approved a 60% subsidy, effective January 1, 2023. The subsidy is subject to change at the discretion of the Board.Power of Attorney See page 12 for more information about the healthIf you would like a family member or other representative insurance premium subsidy program. to act on your behalf, you must submit a completed power of attorney form to CTPF and to each of your health Medicare Part A Premium Subsidy insurance carriers. Power of Attorney ends upon the death Members who retired with a pension benefit effectiveof the member.date of July 1, 2016, or later, who must pay for MedicareFraudPart A coverage, will not receive a CTPF premium subsidy for this cost. This does not impact CTPF subsidies forFalsifying information and/or documentation to obtain Medicare Part B, Part D, supplemental health plans, orhealth insurance coverage through CTPF will result in a loss annuitants with pension benefit effective dates prior toof health insurance. July 1, 2016. See page 27 for more information.DisclaimerIf this summary description differs from the plan text or any plan term or condition, the official contract document governs. This handbook contains information regarding benefits voluntarily provided by CTPF. Plan provisions may change without prior notice. All plans are subject to and must comply with any applicable state or federal law. To the extent this summary description differs from current or future applicable state or federal law, the applicable state or federal law governs.HEALTH INSURANCE CHECKUPCTPF health insurance plans do not include dental coverage. CTPF annuitants Dentalmay enroll in dental insurance offered through private insurers or a group plan Plans through the Retired Teachers Association of Chicago. See page 38 for contact information. CTPF 2023 HEALTH INSURANCE HANDBOOKCTPF 2023 HEALTH INSURANCE HANDBOOK7'