Open Enrollment Central

The 2024 Open Enrollment Period for health insurance was October 1 - October 31, 2023. Plan changes made during Open Enrollment become effective January 1, 2024. 

New in 2024

CTPF will offer the Cigna Surround Group Supplement Plan with Express Scripts Medicare (PDP). This is an insured plan that is modeled after Medicare Plan G. This plan is available to members who are Medicare recipients who turned 65 in 2020 or later.  

For more information about the plan please call the Cigna Pre-Enrollment line.  

Health Insurance Premium Subsidy

At the August 2023, Board of Trustees meeting, the health insurance premium subsidy was set to 60% for 2024. The subsidy is only available to eligible CTPF members. Dependent coverage is not eligible for the subsidy. 

2024 Rates

Non-Medicare Rates

Blue Cross Blue Shield PPO 

UnitedHealthcare Choice Plus PPO 

Blue Cross Blue Shield HMO Illinois 

CTPF annuitant cost for single coverage monthly premium cost with CTPF premium subsidy 
$1,016.36 $565.07 $438.06 
CTPF annuitant + 1 dependent monthly premium cost with CTPF premium subsidy 
$3,557.20 $1,977.72 $1,533.23 
CTPF annuitant + 2 dependents monthly premium cost with CTPF premium subsidy 
$6,098.08 $3,390.41 $2,628.38 
CTPF dependent cost for single coverage (dependents do not receive the CTPF premium subsidy) 
$2,540.88 $1,412.67 $1,095.15 

Medicare Rates

UnitedHealthcare Group Medicare Advantage PPO with Express Scripts Medicare® (PDP) 

Humana Group Medicare HMO with Part D Pharmacy 

Cigna Surround Group Supplement Plan with Express Scripts Medicare® (PDP) (mirrors Plan G) 

AARP® Medicare Supplement Plan F (UnitedHealthcare) with Express Scripts Medicare® (PDP) 

CTPF annuitants cost for single coverage monthly premium cost with subsidy 
$72.17 $52.34 $135.90 Age 69-71 $160.85
Age 72-74 $174.36
Age 75+ $188.16
CTPF annuitant + 1 dependent monthly premium cost with subsidy 
$252.59 $183.18 $475.63 Age 69-71 $562.97
Age 72-74 $610.27
Age 75+ $658.65
CTPF dependent cost for single coverage 
$180.42 $130.84 $339.73 Age 69-71 $402.12
Age 72-74 $435.91
Age 75+ $470.40

 

Plan Options

CTPF-Sponsored Health Insurance Program

Choosing a health insurance plan for you and your eligible dependents is one of your most important decisions. CTPF sponsors comprehensive health insurance plans designed to promote wellness and provide high-quality coverage at a reasonable cost. CTPF offers health insurance benefits to retirees, dependents, and survivors if the retiree's final teaching service was with the Chicago Public, Charter or Contract Schools.    

Qualified retirees may enroll in a plan for: 

  • Non-Medicare eligible members 
  • Medicare-eligible members who maintain enrollment in Medicare Part A and Part B 
Eligibility & Enrollment Requirements

CTPF retirees/survivors and their eligible dependents may qualify to enroll in a CTPF health insurance plan. To qualify, CTPF must be the retiree’s final retirement system. A retiree/survivor and/or dependent may initially enroll in a CTPF plan once in a lifetime unless they experience a qualifying event. A member who leaves a CTPF plan after initial enrollment may re-enroll in a CTPF health insurance plan one time (during Open Enrollment) without a qualified change in status, with proof of prior medical and prescription drug coverage.  

Click here for a list of eligibility and enrollment requirements for CTPF plans. 

Open Enrollment Education Week

CTPF hosted webinars and audio presentations the week of October 2-6.

Medicare Presentations  

2024 Open Enrollment Webinar Medicare Plans  

Non-Medicare Presentations  

2024 Open Enrollment Webinar Non-Medicare Plans  

Open Enrollment Vendor Week

October 9-13, 2023, CTPF vendors hosted information sessions for members who wanted to hear directly from health insurance plan vendors. View the presentations below.

Open Enrollment Vendor Fair

CTPF hosted a vendor fair on Thursday, October 12, 2023, on the third floor of our office building (425 S. Financial Place). Members who had specific questions about coverage offerings for CTPF carriers attended. There were four separate sessions for members to choose from.

Session timeframes:  

  • 9:00 - 10:30 a.m. 
  • 11:00 a.m. - 12:30 p.m. 
  • 1:30 – 3:00 p.m. 
  • 3:30 – 5:00 p.m. 

2023 Trustee Election

CTPF provided a designated area for campaign activities to accommodate individuals running for CTPF Board of Trustee positions. Campaigning was only allowed within the designated area on the third floor of 425 S. Financial Place, Chicago, from 9:00 a.m. until 5:00 p.m.

Health Insurance Handbooks

The 2024 Health Insurance Handbooks provide information about CTPF’s current health insurance options, rates, and plan coverage for Medicare and Non-Medicare plans. 

2024 Medicare Open Enrollment - What Not to Do

Have you been overwhelmed with Medicare solicitation on the television, radio and social media and want to learn the facts? CTPF’s Health Insurance Manager, Carrie Berkich, will host a "Medicare Open Enrollment - What Not to Do" webinar on November 28. to help you avoid costly mistakes. This session is posted on ctpf.org/calendar with registration information. 

Important Open Enrollment Dates
October 12024 Open Enrollment period begins.
October 2-6Open Enrollment Education Week. Find a complete schedule of webinars and dial-in conference calls at www.ctpf.org/calendar. 
October 9-13Open Enrollment Vendor Week. Find a complete schedule of webinars and dial-in conference calls at www.ctpf.org/calendar.       
October 312024 Open Enrollment period closes. All forms must be postmarked by this date and mailed to CTPF or sent by fax 312.641.7185 or email an attachment (.pdf or .jpg format) to imaging@ctpf.org to ensure processing.  No applications received after this date will be accepted.
January 1, 2024Health Insurance plans become effective.
FAQS
Glossary of Terms

Common Terms Associated with CTPF Health

CTPF Encourages Online Document Submission  

CTPF encourages all members to submit forms and documents by fax 312.641.7185 or email an attachment (.pdf or .jpg format) to imaging@ctpf.org to ensure prompt processing.  

Update Contact Information with CTPF

CTPF encourages you to maintain your updated contact details on file. Call Member Services at 312.641.4464 to make any changes to the contact information we have on file.