b'Contents2025 Open Enrollment 2 Subsidy Program . 112025 Plan Cost Comparison . 3 Health Insurance Premium11Enrollment . 5 Subsidy for Medicare .11Enrollment Forms5 Subsidy for CTPF Medicare Plans.11COBRA Enrollees5 Outside Rebate Subsidy for Non-CTPF Plans.11ID Cards5 Medicare 12CHECKUP: Legal Name.5 Overview12 Who Can Enroll in A CTPF Plan? Medicare Advantage Plans126Annuitants and Dependents6 Medicare Star Ratings12Survivors.6 Medigap (Supplement) Plan12Couple Coverage.6Express Scripts Prescription Drugs13Dependents Defined.6 Medicare Premium Payment 14When Can I Join? 7 Medicare Part A Premium.14Initial Enrollment Period 7 CTPF MedPay Program. .14Special Enrollment Period.7 Medicare Part B Premium14One Time Opt-In.7 Medicare Part D Premium.142025 Open Enrollment.7 IRMAA Higher Income Adjustments.15What Changes Impact My Enrollment?8 Medicare Eligibility Due to Disability.15Dont Make A Costly Mistake.8 Medicare & You.15CHECKUP: Address Changes.8 CHECKUP: Other Medicare Part D Plans15How Do I End Insurance Coverage? . 9 Plan Comparison: Medicare Eligible 16-21Voluntarily Ending Coverage9Notice of Creditable Coverage 22Involuntarily Ending Coverage.9Contact Information 23Refund of Premium.9CTPF COBRA Eligibility.9General Information . 10HIPAA Authorized Representative.10Power of Attorney.10Fraud.10Disclaimer10Health Information Privacy Policy.10CHECKUP: Dental Plans10REFER to this handbook if you are attending an Open Enrollment Webinar or Seminar and PLEASE KEEP this handbook for future reference.This handbook is also available at www.ctpf.org.4 CTPF 2025 MEDICARE HEALTH INSURANCE HANDBOOK CTPF 2025 MEDICARE HEALTH INSURANCE HANDBOOK'