Health Insurance Open Enrollment Central

2018 Open Enrollment Handbook
Frequently Asked Questions
Open Enrollment Seminar and Webinar Information
Plan Changes and Updates for 2018
Enrollment Forms and Information

Open Enrollment 2018

The Open Enrollment Period for 2018 health insurance runs October 1-31, 2017. During this period, retirees can enroll for the first time, add a dependent, or change a health insurance plan or carrier.

CTPF Health Insurance Handbook and Open Enrollment Guide

The 2018 Open Enrollment Handbook will be mailed to all members the week of September 18.

Click here for a PDF of the handbook.

Frequently Asked Questions

Non-Medicare plans: click here for a listing of frequently asked questions about plans and options for non-Medicare Eligible members.

Medicare Plans: click here for a listing of frequently asked questions about plans and options for Medicare Eligible Members.

Open Enrollment Assistance

CTPF offers seminars and webinars with information about plan choices, changes, and costs. Click here for a flyer about Open Enrollment webinars and seminars.


View recordings of the Open Enrollment webinars that were hosted by CTPF, offering overviews of CTPF’s 2018 health plan choices, changes, and costs:


Open Enrollment Seminars offer an overview of CTPF’s 2018 health plan choices, changes and costs, and include a question and answer session following the presentation. All Health Insurance Plan Providers will be available to answer questions following the presentations. Registration for all seminars opens September 22, 2017 at 9:00 a.m. Register at or call CTPF Member Services, 1-312-641-4464.

Tuesday, October 3, 2017
Harold Washington Library
9:00 a.m. – Medicare Plans
1:00 p.m. – Non-Medicare Plans

Thursday, October 5, 2017
Hilton Oak Lawn
9:00 a.m. – Medicare Plans
1:00 p.m. – Non-Medicare Plans


UnitedHealthcare will offer additional seminars and webinars to share plan information on the Group Medicare Advantage plan for Medicare-eligible CTPF participants. Registration for seminars is required, and no pre-registration for webinars is required. To register to attend a seminar, call UnitedHealthcare at 1-877-841-6134.

UnitedHealthcare Seminar and Webinar Information

UHC Medicare Advantage plan doctor letter

2018 Health Insurance Plan Change Summary

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.

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

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.

Members enrolled in the BCBS Medicare Advantage PPO plan also have the option of selecting a different plan during CTPF’s Open Enrollment period,October 1-31, 2017. UnitedHealthcare will send additional information and will offer seven seminars and two webinars to answer questions and provide plan information.

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.

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 or refer to your 2018 Medicare and You Handbook.

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.

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