Health Insurance Information

2018 Health Insurance Handbook
Plan Changes and Updates for 2018
Enrollment Forms and Information

Initial Enrollment Period

You may initially enroll in CTPF health insurance coverage when one of the following events occur:

For complete information about CTPF coverage, please see the Health Insurance Handbook.

2018 Health Insurance Plan Change Summary

2018 HEALTH INSURANCE PREMIUM SUBSIDY REMAINS 50%
CTPF Trustees voted to subsidize the 2018 CTPF health insurance premiums at 50% (certain limitations may apply), effective January 1, 2018. The subsidy is set annually and is subject to change.

CTPF PLAN RATES FOR 2018
Overall rates for CTPF plans will increase an average of 2.9% for 2018. Click the links below for specific plan costs.
Click here for the Non Medicare Premium Chart
Click here for the Medicare Premium Chart

BLUE CROSS BLUE SHIELD MEDICARE PLAN REPLACED
UnitedHealthcare® is the new insurance carrier for the Group Medicare Advantage PPO plan. The Blue Cross Blue Shield (BCBS) Medicare Advantage PPO with Express Scripts Medicare® PDP will be replaced with the UnitedHealthcare Group Medicare Advantage PPO with Express Scripts Medicare® PDP in 2018.

Under the UnitedHealthcare Group Medicare Advantage PPO plan, members can continue to use the same physicians and hospitals, and the benefits levels and out-of-pocket costs will be identical to the BCBS plan. The Fund works diligently to stem the rise in health insurance costs for retirees. If this plan had not been adopted, premiums would have increased 19% overall. By switching to the UnitedHealthcare plan, the CTPF health insurance program will save $7.4 million, which will help keep the premium subsidy at 50% for another year. Members and their dependents enrolled in the BCBS Medicare Advantage PPO will automatically be transferred to the UnitedHealthcare plan, effective January 1, 2018; you do not need to take any action. For special situations where one member is Medicare eligible and the other is not, the non-Medicare enrollee will be transferred to the UnitedHealthcare Choice Plus PPO plan.

Learn more about the UHC Medicare Advantage Plan.

EXPRESS SCRIPTS PLAN CHANGES
New in 2018, a Preferred Value network is being introduced that will allow your prescription copays to remain the same as they were in 2017. The Preferred Value network contains 26,000 pharmacies including Walgreens, Costco, Kroger, Wal-Mart, and more. Prescriptions not filled within the Preferred Value network will incur an increase in cost of $5 per prescription. This copay change does not affect mail order prescriptions.

Express Scripts will no longer cover most compound drugs. If you are currently prescribed a compound medication, consult with your prescribing doctor and contact Express Scripts at 1-800-864-1416 to understand the new limitations.

NEW MEDICARE CARDS
Medicare will begin its Social Security Number Removal Initiative in 2018. Under this program, Medicare will no longer use the Social Security number as the basis for the Medicare Claim Number or display gender and signatures on their cards. The new Medicare Claim Number will feature a randomly generated 11-digit identifier. All Medicare members will receive new cards from the Centers for Medicare and Medicaid Services by April 2018.

For more information, please go to www.cms.gov/Medicare/New-Medicare-Card/index.html or refer to your 2018 Medicare and You Handbook.

2018 NON-MEDICARE PLANS, EFFECTIVE JANUARY 1, 2018
All health plans for Non-Medicare eligible members offered in 2017 will be offered in 2018. Members currently enrolled in the plans listed below do not need to take any action to stay enrolled:

UnitedHealthcare Choice Plus PPO (Non-Medicare plan)
Changes have been made to this PPO plan. Changes include different copays, deductibles, and out-of-pocket maximums for both medical and prescription claims, and the plan’s premium is 4.8% less than the 2017 PPO premium. Members enrolled in this plan will receive new insurance cards in December 2017.

2018 MEDICARE PLANS, EFFECTIVE JANUARY 1, 2018
CTPF will offer three plans for Medicare-Eligible members in 2018:

Members enrolled in the AARP and Humana plans do not need to take any action to stay enrolled. Members enrolled in the Blue Cross Blue Shield Medicare Advantage PPO will be automatically transferred to the UnitedHealthcare Plan.

Enrollment Forms

Non-Medicare Plans
Use the CTPF Form 350 to enroll in all CTPF plans for members who are not enrolled in Medicare. The following health insurance plans are available to non-Medicare eligible participants:

Medicare Plans
Each CTPF plan for Medicare eligible members has specific enrollment and documentation requirements. See below for more information on enrolling in Medicare Plans:

UnitedHealthcare Group Medicare Advantage PPO with Express Scripts Medicare® PDP for CTPF
Complete CTPF Form 350 and return with required documentation to CTPF.

AARP Medicare Supplement Plan F (UnitedHealthcare) with Express Scripts Medicare® (PDP) for CTPF
Complete CTPF Form 350 and the AARP enrollment form. Call UnitedHealthcare at 1-800-392-7537 and request an enrollment kit for CTPF Plan #1089.

Humana Group Medicare HMO with Part D Pharmacy
Complete CTPF Form 350 and the Humana enrollment form, available from CTPF Member Services, call 1-312-641-4464.

Other Forms
Authorized Representative

If you want a family member to assist you with health insurance issues, you may designate an authorized representative. The authorized representative can discuss your health insurance options with a CTPF staff member, if necessary. An authorized representative does not have power of attorney and cannot make any of your care or treatment decisions. Members who wish to have an Authorized Representative must complete CTPF Form 345, HIPAA Authorized Representative Designation.

All plans
Return all enrollment forms and associated documentation to:
Chicago Teachers' Pension Fund
203 North LaSalle Street, suite 2600
Chicago, IL 60601-1231

Do not send enrollment forms to the health insurance plan administrator or your enrollment will not be processed.

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Last Modified 09 23 2010