b'Non-Medicare Health Insurance Options for Non-Medicare Eligible MembersOverview Preferred Provider Organization (PPO)The following pages offer general descriptions of the types of health insurance options for CTPF annuitants who are notBeginning in 2025, CTPF is offering a single Non-Medicare eligible for Medicare. All CTPF health insurance plans includeBlue Cross Blue Shield PPO plan. This plan includes both comprehensive medical and prescription drug coverage.medical and prescription drug coverage. Specific plan information can be found in the plan charts. A Preferred Provider Organization (PPO) is a network of physicians, hospitals, and other professionals that have Health Maintenance Organizationagreed to accept established fees from a health plan.(HMO) You decide whether or not to use a PPO network provider, CTPF offers the Blue Cross Blue Shield HMO Illinois plan. but plans generally pay a higher percentage of covered This plan includes both medical and prescription drugcharges for services within the PPO network. coverage. The HMO does not have deductibles, coinsurance, or claim forms to file. All health care must be provided (except in emergencies) by doctors, hospitals, and pharmacies that belong to the HMO network. The HMO requires you to choose a primary care physician (PCP) to coordinate your care. Your PCP can be an internist, general practitioner, or family practitioner. You have the option to change your PCP at any time (changes may not be effective immediately). You must seek a referral for specialty care and use network providers except in an emergency. A directory of providers is available online or directly from the HMO. The HMO service area is limited, so consider this option carefully if you travel frequently, do not live in the same place for 12 months of the year, or have dependents living away from home.NON-MED10 CTPF 2025 NON-MEDICARE HEALTH INSURANCE HANDBOOK CTPF 2025 NON-MEDICARE HEALTH INSURANCE HANDBOOKCTPF 2025 NON-MEDICARE HEALTH INSURANCE HANDBOOK'