b'Medicare Premium PaymentCTPF enrollees must maintain all required Medicare PartYour share of the premium payment (after CTPF premium A, Part B, Part B IRMAA and Part D IRMAA paymentssubsidy, if applicable) will be deducted from your pension timely to stay enrolled in our plans. benefit. Medicare Part A Premium Medicare Part B PremiumYou may qualify for premium-free Part A coverage if youAlmost everyone must pay for Part B coverage. You are paid Medicare taxes while working. Members hired on orresponsible for making payments directly to Medicare, and after April 1, 1986, paid Medicare taxes through payrollwill receive a monthly or quarterly bill unless you: deductions. receive a Social Security benefit. Medicare deducts Premium Free Medicare Part Athe Part B premium cost directly from monthly SSA You must earn 40 Medicare quarters or credits tobenefits.qualify for premium-free Medicare Part A; or 30+ quartersparticipate in CTPFs MedPay program if eligible. CTPF to qualify for a reduced premium.pays Medicare on your behalf. You receive Medicare Part A at no cost if you receive aPay Medicare Part B bills promptly to avoid losing all your Social Security or Railroad Retirement Board (RRB) benefit. health insurance coverage. If you are not eligible for the You can apply for Medicare through a spouse if you haveCTPF MedPay program, CTPF recommends enrolling in the been married at least one year, or through an ex-spouseMedicare Easy Pay Program to help avoid payment lapses. (living or deceased), if you were married for at 10+ years. Easy Pay allows Medicare to deduct your monthly premium payment directly from your checking or savings account. Paying for Medicare Part AMedicare administers Easy Pay; obtain an application at If you do not qualify for premium-free Part A coverage, youwww.medicare.gov or call 1-800-MEDICARE.must purchase this coverage if your pension Benefit EffectivePart B Assistance Date was prior to July 1, 2016. CTPF can take over thisSome individuals may qualify for a state-sponsored responsibility and pays Medicare on your behalf when youPart B premium assistance program. If you qualify, enroll in CTPFs MedPay program.Medicare will notify CTPF and your premium will be CTPFs MedPay Program adjusted accordingly.If you must pay for Medicare Part A and your pensionMedicare Part D PremiumBenefit Effective Date is prior to July 1, 2016, CTPF can take over payment responsibility when you enroll in CTPFsAll CTPF plans include Medicare Part D prescription drug MedPay Program. Through this program, CTPF makescoverage. The cost of Part D coverage is included in your Medicare Part A, Part B, and IRMAA Part B* premiumpremium. For help in understanding how Part D drug plans payments on your behalf, and deducts your share (afterwork, please visit the Medicare website under Costs for applying the applicable premium subsidy) from yourMedicare drug coverage: www.medicare.gov/part-d/ pension benefit.Part D PenaltiesEnrolling in MedPay If you do not enroll in a Medicare Part D drug plan when Make your first Medicare premium payment to CMS, thenyou first become eligible for Medicare, you may have to pay immediately send CTPF: a Late Enrollment Penalty (LEP), unless you have proof of 1.A copy of your first Notice of Medicare Premiumother creditable coverage. Medicare Part D penalties are Payment Due, issued by CMS the total responsibility of the member. Members 2.A copy of your check for your first payment assessed a LEP will have this amount deducted from their pension check. 3.CTPF Form 301 (available from Member Services orNote: All CTPF-sponsored Medicare plans have included download at www.ctpf.org) creditable prescription coverage since 2006.CTPF will process your request and make all subsequent Medicare Part A, Medicare Part B, and IRMAA Part B premium payments on your behalf. 14 CTPF 2026 MEDICARE HEALTH INSURANCE HANDBOOK MEDPAY CTPF 2026 MEDICARE HEALTH INSURANCE HANDBOOK'