b'Medicare Premium PaymentCTPF enrollees must maintain all required Medicare PartYour share of the premium payment (after CTPF premium A, Part B, Part B IRMAA and Part D IRMAA paymentssubsidy, if applicable) will be deducted from your pension timely to stay enrolled in our plans. benefit. Medicare Part A Premium Medicare Part B PremiumYou may qualify for premium-free Part A coverage if youAlmost everyone must pay for Part B coverage. You are paid Medicare taxes while working. Members hired on orresponsible for making payments directly to Medicare, and after April 1, 1986, paid Medicare taxes through payrollwill receive a monthly or quarterly bill unless you: deductions. receive a Social Security benefit. Medicare deducts Premium Free Medicare Part Athe Part B premium cost directly from monthly SSA You must earn 40 Medicare quarters or credits tobenefits.qualify for premium-free Medicare Part A; or 30+ quartersparticipate in CTPFs MedPay program. CTPF pays to qualify for a reduced premium.Medicare on your behalf. You receive Medicare Part A at no cost if you receive aPay Medicare Part B bills promptly to avoid losing all your Social Security or Railroad Retirement Board (RRB) benefit. health insurance coverage. If you are not eligible for the CTPF MedPay program, CTPF recommends enrolling in the You can apply for Medicare through a spouse if you haveMedicare Easy Pay Program to help avoid payment lapses. been married at least one year, or through an ex-spouseEasy Pay allows Medicare to deduct your monthly premium (living or deceased), if you were married for at 10+ years. payment directly from your checking or savings account. Paying for Medicare Part AMedicare administers Easy Pay; obtain an application at If you do not qualify for premium-free Part A coverage,www.medicare.gov or call 1-800-MEDICARE.you must purchase this coverage. CTPF takes over thisPart B Assistance responsibility and pays Medicare on your behalf when youSome individuals may qualify for a state-sponsored enroll in CTPFs MedPay program.Part B premium assistance program. If you qualify, Medicare will notify CTPF and your premium will be CTPFs MedPay Program adjusted accordingly.If you must pay for Medicare Part A, CTPF takes overMedicare Part D Premiumpayment responsibility when you enroll in CTPFs MedPay Program. Through this program, CTPF makes MedicareAll CTPF plans include Medicare Part D prescription drug Part A, Part B, and IRMAA Part B* premium payments oncoverage. The cost of Part D coverage is included in your your behalf, and deducts your share (after applying thepremium. For help in understanding how Part D drug plans applicable premium subsidy) from your pension benefit.work, please visit the Medicare website under Costs for Medicare drug coverage: www.medicare.gov/part-d/ Enrolling in MedPay Part D PenaltiesMake your first Medicare premium payment to CMS, thenIf you do not enroll in a Medicare Part D drug plan when immediately send CTPF: you first become eligible for Medicare, you may have to pay 1.A copy of your first Notice of Medicare Premiuma Late Enrollment Penalty (LEP), unless you have proof of Payment Due, issued by CMS other creditable coverage. Medicare Part D penalties are 2.A copy of your check for your first payment the total responsibility of the member. Members 3.CTPF Form 301 (available from Member Services orassessed a LEP will have this amount deducted from download at www.ctpf.org) their pension check. CTPF will process your request and make all subsequentCTPF may bill a member to recover these costs if CTPF pays Medicare Part A, Medicare Part B, and IRMAA Part Bthese costs in error.premium payments on your behalf.Note: All CTPF-sponsored Medicare plans have included creditable prescription coverage since 2006.14 CTPF 2025 MEDICARE HEALTH INSURANCE HANDBOOK MEDPAY CTPF 2025 MEDICARE HEALTH INSURANCE HANDBOOK'