Teachers' Retirement Insurance Program (TRIP)
Benefit recipients who enroll in the Teachers’ Retirement Insurance Program (TRIP) receive health, prescription and behavioral health coverage. Dependent beneficiaries can be enrolled in the program at an additional cost and will have the same health plan as the benefit recipient. The monthly premium is based on the type of coverage selected and the permanent residence on file with TRS.
For information from CMS about the Dependent Eligibility Verification Audit, click here.
Monthly premiums through June 30, 2015
|Type of Plan||Not Medicare Primary Under Age 26||Not Medicare Primary
|Not Medicare Primary
Age 65 & Above
|Benefit recipient enrolled in any managed care plan||$68.62
|Benefit recipient enrolled in Teachers’ Choice Health Plan (TCHP) when a managed care plan is available in their county of residence||$178.09||$502.64
|Benefit recipient enrolled in TCHP when a managed care plan is not available in their county of residence||$89.04
|Dependent beneficiary enrolled in any managed care plan
|Dependent beneficiary enrolled in TCHP when a managed care plan is available in their county of residence||$356.17||$1,005.29||$1,511.89||$438.65|
|Dependent beneficiary enrolled in TCHP when a managed care plan is not available in their county of residence
* You must enroll in both Medicare Parts A and B to qualify for the lower premiums. Send a copy of your Medicare card to TRS. If you or your dependent is actively working and eligible for Medicare, or you have additional questions about this requirement, contact the CMS Group Insurance Division, Medicare Coordination of Benefits (COB) Unit.
** Medicare Primary Dependent Beneficiaries enrolled in a managed care plan, or in TCHP when no managed care plan is available, receive a premium subsidy.
TRIP Members in Medicare
TRIP members who are currently enrolled in Medicare Parts A & B and TRIP members who will turn 65 during 2014 before September 30 – and become eligible for Medicare – face special circumstances this year. If you are currently enrolled in a Medicare Advantage plan:
- You don’t have to take any action during the Benefits Choice Period in May.
- Your Benefits Choice period will be from October 15 through November 15, 2014. The Illinois Department of Central Management Services will notify you by mail prior to the enrollment – look for the TRAIL logo on the mailing.
If you turn 65 BEFORE September 30, 2014 and are Medicare A & B eligible:
Your TRIP coverage will remain in place until December 31, 2014. You can change insurance carrier or add an eligible dependent in your current TRIP coverage during the May 1 – June 2, 2014 Benefits Choice Period.
- Later this fall, you will receive information about selecting a Medicare Advantage Prescription Drug (MA–PD) insurance plan. For continued health insurance coverage, you will be required to select a Medicare Advantage plan during the October 15 – November 15, 2014 Benefits Choice Period. Your Medicare Advantage coverage will take effect on Jan. 1, 2015. After that, your annual Benefits Choice Period will occur in the fall of each year.
If you turn 65 AFTER September 30, 2014 and are Medicare A & B eligible:
- You will remain on a TRIP Medicare supplement plan through December 31, 2015. You can change insurance carrier or add an eligible dependent in your current TRIP coverage for 2014 during the May 1 – June 2, 2014 Benefits Choice Period.
- You will select a Medicare Advantage Plan in October of 2015 for coverage that will begin on January 1, 2016.
If you turn 65 during 2014 and are NOT eligible for Medicare A & B:
- You must provide proof of ineligibility from Medicare. You may enroll in TRIP coverage for the Age 65 Not Medicare Primary plan. You are not eligible to enroll in a MA–PD plan.