b'Contents2026 Open Enrollment 2 Subsidy Program . 112026 Plan Cost Comparison . 3 Health Insurance Premium11Health Insurance Update 3 Subsidy for Medicare .11Enrollment . 5 Subsidy for CTPF Medicare Plans.11Enrollment Forms5 Outside Rebate Subsidy for Non-CTPF Plans.11COBRA Enrollees5 Medicare 12ID Cards5 Overview12 CHECKUP: Legal Name.5 Medicare Advantage Plans12Who Can Enroll in A CTPF Plan? Medicare Star Ratings126 Medigap (Supplement) Plan12Annuitants and Dependents6 Express Scripts Prescription Drugs13Survivors.6 Medicare Premium Payment 14Couple Coverage.6Medicare Part A Premium.14Dependents Defined.6 CTPF MedPay Program. .14When Can I Join? 7 Medicare Part B Premium14Initial Enrollment Period 7 Medicare Part D Premium.14Special Enrollment Period.7 IRMAA Higher Income Adjustments.15One Time Opt-In.7 Medicare Eligibility Due to Disability.152026 Open Enrollment.7 Medicare & You.15What Changes Impact My Enrollment?8 CHECKUP: Other Medicare Part D Plans15Dont Make A Costly Mistake.8 Plan Comparison: Medicare Eligible 16-21CHECKUP: Address Changes.8 Notice of Creditable Coverage 22How Do I End Insurance Coverage? . 9 Contact Information 23Voluntarily Ending Coverage9 Involuntarily Ending Coverage.9 Refund of Premium.9CTPF COBRA Eligibility.9General Information . 10HIPAA Authorized Representative.10Power of Attorney.10Fraud.10Disclaimer10Health Information Privacy Policy.10CHECKUP: Dental Plans10REFER to this handbook if you are attending an Open Enrollment Webinar or Seminar and PLEASE KEEP this handbook for future reference.This handbook is also available at www.ctpf.org.4 CTPF 2026 MEDICARE HEALTH INSURANCE HANDBOOK CTPF 2026 MEDICARE HEALTH INSURANCE HANDBOOK'