Open Enrollment Central

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.  

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. 

Health Insurance 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.

2025 Rates

Non-Medicare Rates

Blue Cross Blue Shield PPO 

Blue Cross Blue Shield HMO Illinois 

CTPF annuitant cost for single coverage monthly premium cost with CTPF premium subsidy 
$661.65 $449.45 
CTPF annuitant + 1 dependent monthly premium cost with CTPF premium subsidy 
$2,315.74 $1,573.10 
CTPF annuitant + 2 dependents monthly premium cost with CTPF premium subsidy 
$3.969.85 $2,696.72 
CTPF dependent cost for single coverage (dependents do not receive the CTPF premium subsidy) 
$1,654.11 $1,123.62 

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 
$92.59  $57.56 $161.62 Age 69-71 $190.92 
Age 72-74 $208.03 
Age 75+ $222.88 
CTPF annuitant + 1 dependent monthly premium cost with subsidy 
$324.05 $201.46 $565.65 Age 69-71 $668.20 
Age 72-74 $728.09 
Age 75+ $780.08 
CTPF dependent cost for single coverage 
$231.46 $143.90 $404.03 Age 69-71 $477.28 
Age 72-74 $520.06 
Age 75+ $557.20 

 

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

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 the chance to ask questions. 

From October 2-4, CTPF will offer Open Enrollment Webinars to educate members about CTPF’s health insurance plans. All webinars have a dial-in number for members without internet access.  

Medicare Presentations 

Non-Medicare Presentations 

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. Session dates, registration, and dial-in information will be posted at ctpf.org/calendar.   

Health Insurance Handbooks

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

2025 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 Senior Manager of Benefits, Carrie Berkich, will host "2025 Medicare Open Enrollment - What Not to Do" to help you avoid costly mistakes. Register for all webinars by clicking on the date at ctpf.org/calendar. 

Important Open Enrollment Dates
September 26Special Non-Medicare Webinar for Current PPO Enrollees  
October 12025 Open Enrollment period begins.
October 2-4Open Enrollment Education
Find a complete schedule of webinars at www.ctpf.org/calendar.  
October 7-11Open Enrollment Vendor Week 
Find a complete schedule of webinars at www.ctpf.org/calendar.       
October 8Open Enrollment In-Person Seminars
October 312025 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, 2025Health Insurance plans become effective.
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 keep 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.