The 2025 Open Enrollment Period for retiree health insurance is October 1 - October 31, 2024. Plan changes made during Open Enrollment become effective January 1, 2025.
The 2025 Health Insurance Handbooks are now available and offer an overview of Medicare and Non-Medicare plans and costs. The Medicare Handbook was mailed in mid-September by first-class mail, for delivery by October 1. View and download the 2025 Health Insurance Handbooks below or at ctpf.org/open-enrollment.
New in 2025
Non-Medicare Plans
CTPF is offering a single Non-Medicare Blue Cross Blue Shield (BCBS) PPO plan and eliminating the UnitedHealthcare (UHC) Non-Medicare PPO. The BCBS HMO is unchanged and will also be offered. If you are currently enrolled in a CTPF Non-Medicare PPO plan, you will be automatically enrolled in the new BCBS Non-Medicare PPO effective January 1, 2025, unless you elect to move to the HMO plan during Open Enrollment.
You may also enroll in a non-CTPF plan. If you do so, you may be eligible for a health insurance rebate, paid annually, after filing appropriate applications and documentation. Additional information on the rebate program can be found on the Health Insurance Premium Subsidy page at ctpf.org/ctpfsubsidy.
Medicare Plans
Plans and plan design for 2025 remain unchanged for Medicare Plans.
Open Enrollment Education
CTPF will host a special Non-Medicare webinar on Thursday, September 26, 2024, at 10:00 a.m. for members currently enrolled in Non-Medicare PPO plans. The webinar will explain the changes to the BCBS PPO in detail and offer a chance to ask questions.
From October 2-4, CTPF will offer Open Enrollment webinars to educate members about CTPF’s health insurance plans.
Visit ctpf.org/calendar to register for all webinars. All webinars have a dial-in number for members without internet access.
Save the Date: Open Enrollment In-Person Seminars
CTPF will host in-person Open Enrollment Seminars on Tuesday, October 8, 2024, at the Hilton/Oak Lawn (9333 S. Cicero Ave. Oak Lawn, IL, 60453). The Medicare Seminar will be at 9:30 a.m. and the Non-Medicare Seminar will be at 1:30 p.m. Registration is required and will open on September 24, 2024. Call CTPF Member Services at 312.641.4464 to register.
Open Enrollment Vendor Week
From October 7-11, CTPF vendors will host information sessions for members who want to hear directly from health insurance plan vendors. For session dates, registration, and dial-in information visit ctpf.org/calendar.
Premium Subsidy
At the August 2024, Board of Trustees meeting, the health insurance premium subsidy was set to 60% for 2025. The subsidy is only available to eligible CTPF members. Dependent coverage is not eligible for the subsidy.
For more Open Enrollment Resources visit ctpf.org/open-enrollment.