please contact Teachers' Retirement System of the State of Illinois at 877-927-5877. TRS members with at least five years of service with a qualified state of Illinois agency may be eligible for benefit options under the State of Illinois Group Insurance Plan. Use your EyeMed card for all routine vision care. However, we can certainly speculate and make educated guesses. To help you understand your options better, weve put together a chart showing you three options: The premiums are relatively close, but we see four major differences when comparing the Medicare Advantage HMOs to a Medicare Supplement: First and foremost, networks are always a concern here in Macon County. 2023 TRIP Open Enrollment Guide(for Current Members of TRAIL), Illinois Department of Central Management Services, Beginning January 1, 2023, Aetna Medicare Advantage Prescription Drug (MAPD) PPO Plan will replace your current plan. They also have better coverage for hospitalizations and skilled nursing facility stays.. Dependent beneficiaries can be enrolled in the program at an additional cost and will have the same health plan as the benefit recipient. At age 65, TRIP members who are eligible for Medicare Parts A and B must enroll in one of the Medicare Advantage plans offered via the Total Retiree Advantage Illinois program. The TRAIL Medicare Advantage Prescription Drug (MAPD) Open Enrollment Period for the 2022 plan year runs October 15 - November 15, 2021. In other words, retirees will pay lower monthly contributions for coverage. If you do not complete the online enrollment process or call the MyBenefits Service Center by your enrollment deadline, we will assume you do not want your TRIP TRAIL MAPD health insurance and will terminate your medical and prescription drug coverage. For a detailed example on how to calculate your days and hours worked, select this link. Any Required and supporting documentation you may have, may be uploaded online, or faxed (toll-free) 844-676-1725. Your report contains important information about your earnings, years of service, sick leave, optional service credit and designated beneficiaries. You will seek your healthcare services from providers that are in the plans network and pay copays or coinsurance for services as you go along. Each fall, CMS sends out information about the TRAIL Program. Group insurance benefits under TRIP include medical and prescription drug coverage. A Statement of Health application is available by contacting Minnesota Life at 888-202-5525, or by downloading the form atMyBenefits.illinois.gov. Springfield, Illinois 62702. Its no secret the state of Illinois is in financial trouble and has been for decades. Here's How to Update Your Address with Medicare. Be retired and enrolled in Medicare Parts A and B, due to age or disability. 2815 West Washington Street Springfield, Illinois 62702. Due to this, the December check is considered taxable in the tax (or calendar) year commencing Jan. 1. Most TRIP members who are eligible for Medicare Parts A and Bmust enroll in the TRAIL Medicare Advantage plan in order to keep TRIPinsurance coverage after December 31. The reduction is equal to 6% a year for each year under the age of 67. Teachers deserve better, and we want to make sure youre doing whats best for you in retirement. You will not pay any separate Part D premiums. You must stay enrolled in Part B the entire time that you are enrolled in the plan because your Part B premiums help to subsidize the cost of this plan. You will not need to enroll in Medicare Part D because your TRAIL Medicare Advantage plan already includes this coverage. If your school district is not listed in the Retired Municipal Teachers Program , your health care coverage after retirement will be administered by your local employer. This report will be available in late November and you will be notified via email when it is ready for viewing. endstream endobj startxref 2024 Description of Coverage. Employees can also open a Flexible Spending Account for health care and dependent care expenses. These "bundled" plans include Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance), and in the case of your TRIP-Sponsored TRAIL plan, Medicare prescription drug (Part D) is also included. Does Medicare Cover Cremation and Other End-of-Life Expenses? Initial enrollment is a one-time offering. Coventry Advantra HMO (An Aetna Company) Health Alliance MAPD HMO. Illinois Teachers' Retirement System - trsil.org 1 What's Happening to our TRS Pension? Your completed Beneficiary Designation form determines how death benefits are distributed. Your dependent beneficiary would be $391.07. These lower costs are found in the Open Enrollment Decision Guide. Springfield, Illinois 62702. The MAPD plans are not permitted to consider the deductible(s) you might have already paid in your other plan. This is essentially a few Medicare Advantage plans you can choose from. Some services have limits to how often they can be obtained. In Macon County, you have the following choices for the 2021 benefit year: If Medicare is your primary and you choose an HMO or an OAP, your monthly premium is $112.89. As a newly-eligible participant in the TRAIL MAPD Program, you may: Elect to cancel your coverage. Effective January 1, 2017. Know More About the Teachers' Retirement Insurance Program (TRIP), Request a Pension Income Verification (retired mbrs. If your residential or mailing address changes, you must notifybothyour retirement system and the Social Security Administration in writing as quickly as possible. The State of Illinois offers members of the Teachers' Retirement Insurance Program (TRIP) a healthcare program called Total Retiree Advantage Illinois (TRAIL). Illinois contains one of the largest teacher employee benefit programs in the country, providing the nearly 130,000 teachers in the state with not only a state pension retirement system, but extensive health insurance benefits as well. Health Maintenance Organization PlanIn the HMO plan, you must select a primary care physician from a network of providers to act as your health guide. H6q>0 Since the administration of local health care coverage is negotiated on the local level, costs will vary from town to town. To be eligible for coverage under a Note: If you cancel your TRIP TRAIL MAPD coverage, medical and prescription drug coverage for you and your enrolled dependents will end. You can find the 2019 plan summaries here. If I do not enroll my spouse now, can I enroll him or her at some point in the future? Does my retirement option have any bearing on the eligibility of my spouse to enroll in health care insurance? In Illinois, teachers are a part of the Teacher's Retirement System of Illinois (TRS). For example, Dr. Sams, a board-certified orthopedic surgeon at Decatur Orthopedic Center (DOC), explains he has to go through a lengthy and difficult pre-approval process when a patient has Medicare Advantage. Doyle Rowe LTD provides a full range of health plan counseling and administrative services to more than 250,000 active and retired members of IMRF. Illinois Department of Central Management Services Bureau of Benefits Teachers' Retirement Insurance Program FY2022 TRIP Rates FY2022 TRIP Rates * You must enroll in both Medicare Parts A and B to qualify for the lower premiums. The State of Illinois offers retirees, annuitants, and survivors (of the State Employees Group Insurance Program (SEGIP), The Teachers' Retirement Insurance Program (TRIP) and the College Insurance Program (CIP)) a healthcare program called Total Retiree Advantage Illinois (TRAIL). Retirees who enroll in this coverage get their health benefits, medications and behavioral health coverage from the plan. Since Aetna MAPD PPO is a type of Medicare, you must continue to pay your federal Medicare Parts A and B premiums in order to enroll and remain enrolled in TRAIL MAPD. TRIP Medicare Advantage Prescription Drug (MAPD) Plan Monthly Rates for 2017. In order to join TRIP, you must be receiving a monthly benefit from TRS and have at least eight years of creditable service. You may re-enroll throughout the plan year and coverage will be effective the first of the month following your enrollment request or during your annual TRAIL MAPD Enrollment Period. TRIP is a comprehensive program of quality health care coverage for retired teachers and their eligible dependents. Since Medicare Advantage plans are a type of Medicare, you must continue to pay your federal Medicare premiums in order to remain enrolled in TRAIL. For more complete benefit information regarding TRAIL and the health plan benefits with your new Aetna MAPD PPO plan, please review your: 2023 TRIP TRAIL Initial Enrollment Guide(for Newly-Eligible for TRAIL Members). Patty Gogerty has been with Sams/Hockaday &Associates for over 30 years. Benefit recipients and all dependent beneficiaries who are eligible for Medicare Parts A & B must enroll in the TRAIL Medicare Advantage Program. 1047 0 obj <>/Filter/FlateDecode/ID[<8F4796445AB3564FAB49E5235B338E16><3E1DCD96BE119244AB7372AA4A682262>]/Index[1013 67]/Info 1012 0 R/Length 149/Prev 957470/Root 1014 0 R/Size 1080/Type/XRef/W[1 3 1]>>stream We suspect the TRIP program got rid of its top-notch coverage and found significant cost savings by switching to a private Medicare Advantage program. We prefer the simplicity and depth-of-coverage Medicare Supplements offer seniors. Are you going to be taken care of if you have a medical concern? Please confirm your TRS plan options and benefits. only), Print an Insurance Premium Confirmation Letter, Confidential Information Release Authorization Form, Post-Retirement Days Worked Form (for July 1, 2015 June 30, 2016), Post-Retirement Days Worked Form (for July 1, 2013 June 30, 2014), Post-Retirement Days Worked Form (for July 1, 2014 June 30, 2015), Post-Retirement Days Worked Form (for July 1, 2016 June 30, 2017), Post-Retirement Days Worked Form (for July 1, 2017 June 30, 2018), Post-Retirement Days Worked Form (for July 1, 2018 - June 30, 2019), Post-Retirement Days Worked Form (for July 1, 2019 - June 30, 2020), CURRENT - Teachers' Retirement Insurance Program (TRIP) Summary: July 1, 2022 - June 30, 2023, CURRENT: Effective Jan. 1, 2023 - Dec. 31, 2023 - Total Retiree Advantage Illinois (TRAIL) Summary, Fiscal Year 2020 Annual Financial Report Summary, Fiscal Year 2021 Annual Financial Report Summary, Fiscal Year 2022 Annual Financial Report Summary, Fiscal Year 2023 Benefit Choice booklet (May 1 - May 31, 2022), Information Bulletin 79: Retiree Return to Work Program. During both opportunities for enrollment (IE & OE), retirees and survivors eligible for the TRAIL MAPD Program willreceive a, No electionsare allowed to be made prior to November 1 during the OpenEnrollment Period, College Insurance Program (CIP) Medicare Retirees and Survivors, State of Illinois Employees' Group Insurance Program (SEGIP) Medicare Retirees and Survivors, Teachers' Retirement Insurance Program (TRIP)Medicare Retirees and Survivors, Register, Become a Vendor & State Government. The easiest way to apply for Medicare is online at the Social Security website. You are not eligible to enroll in a TRAIL plan. Prescription Drug (MAPD) plan, you and your eligible dependents must: Live in the United States or the U.S. 2022 TRAIL Map . The Teachers' Retirement Insurance Program (TRIP) offers its members a healthcare program called Total Retiree Advantage Illinois (TRAIL). Note: When thinking about coverage, you should always consider the needs of your spouse and/or dependent children in the event that you should predecease them. Dependents will be enrolled in the same plan as the member. 2022 TRIP TRAIL Plan Administrators. Retired members are eligible for the Total Retiree Advantage Illinois (TRAIL) Program if they are enrolled in Medicare Parts A & B. * You must enroll in both Medicare Parts A and B to qualify for the lower premiums. Employees can choose a medical insurance plan from BlueCross BlueShield of Illinois: a Preferred Provider Organization plan or a High Deductible Health plan with a Health Savings Account . For members who are newly eligible for Medicare,you will havetwo opportunities for enrollment: Initial Enrollment (IE): which isoffered to all Medicare-eligible retirees and their Medicare-eligibledependents within 60-days of the 65th birthday (of the youngest enrollee). Please check with your local benefits coordinator or the Group Insurance Commission to see if you are required to switch to Medicare upon becoming eligible.). In the Open Access Plan, youll have access to several tiers of coverage, allowing you to pick from in-network and out-of-network providers with differing costs. Illinois Retired Teachers Association (IRTA) knows Retired Educators like you. If you want to make a change to your TRAIL insurance coverage or add a dependent, the fall Open Enrollment Period is the time when you can make that change. For the 2022-23 school year, the post-retirement limitations will revert to 120 days or 600 hours. He kept the TRAIL plan, because he knew if he ran into a scenario where he wasnt covered, he could always fall back on the VA. Please turn on JavaScript and try again. Teachers' Retirement Insurance Program (TRIP) Health Insurance, Teachers' Retirement System of the State of Illinois, https://www.illinois.gov/cms/benefits/Teachers/Pages/TRIPContactInformation.aspx, TCHP (PPO) when a managed care plan is available, TCHP (PPO) when a managed care plan is unavailable in your county, CURRENT - Teachers' Retirement Insurance Program (TRIP) Summary: July 1, 2022 - June 30, 2023, TRIP Benefits Handbook as of Sept. 1, 2022, Fiscal Year 2023 Benefit Choice booklet (May 1 - May 31, 2022). So those are the two most common situations where wed recommend you stay on TRAIL: you have a very expensive drug or you also get coverage through the VA. We dont recommend your dependent to utilize the TRAIL options. The Aetna MAPD PPO Plan is available throughout Illinois and nationwide. When the first of the month occurs on a weekend or holiday, your financial institution may not post your deposit to your account until the next business day. Unlike Original Medicare though, many Medicare Advantage plans also have built in Part D drug coverage. Medicare pays a fixed amount for your care each month to Aetna. TRAIL MAPD is a retiree healthcare program sponsored by the Teachers' Retirement Insurance Program (TRIP). The Teachers Retirement Insurance Plan in Illinois was a fabulous program until February 1, 2014. In order to join TRIP, you must be receiving a monthly benefit from TRS and have at least eight years of creditable service. The TRS Benefit Report is available online by signing into your secure member account . Medicare Advantage plans must include all the same inpatient and outpatient benefits that you would normally get under Original Medicare. During Your TRAIL MAPD Enrollment Period You May: Elect to cancel your coverage. While you do have to purchase a separate drug plan, you have the advantage of choosing one that fits your needs. 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