PPO plans are typically a bit more flexible. Questions you should ask your local benefits coordinator include: Once you become eligible to receive health care coverage through Medicare, you may be required to enroll in Medicare. 0 The basic structure of Illinois's teacher defined benefit (DB) pension is similar to that of other states. This means if youre a retired teacher enrolled in Medicare Parts A and B, you can choose a Medicare Advantage plan the state offers, which includes drug coverage (Illinois.gov). 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. You may find TRAIL is the best coverage for you, but theres a chance we could offer you significant savings while securing more robust coverage. For instance, your December retirement benefit will be received on Jan. 1. Our website has current information, forms and publications, benefit videos and your personal information in the secure Member Account Access area. However, we would suggest that you contact your benefits coordinator in order to find out what your costs will be when you retire. At retirement, we will send information to members who qualify for the plan. 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. The increase is effective in January of each year and is reflected in the payment you receive in February. In 2014, the program changed to only offer a few Medicare Advantage plans. TRAIL MAPD is a retiree healthcare program sponsored by the Teachers' Retirement Insurance Program (TRIP). Insurance includes health, dental and prescription coverage. Members cannot outlive their benefits. All official TRAIL documents and forms carry the states TRAIL logo . All members and enrolled dependents have the same vision coverage regardless of the healthplan selected. Your report contains important information about your earnings, years of service, sick leave, optional service credit and designated beneficiaries. However, you can also call them for an application in the mail or go down to your local office in person. As you saw earlier, their drug coverage is very simple and very good. In order to join TRIP, you must be receiving a monthly benefit from TRS and have at least eight years of creditable service. Effective January 1, 2017. The annual plan year deductible for dental coverage for the 2022plan year (January 1, through December 31, 2022) is $100 per participant per plan year. Select the document to upload. Medicare Advantage typically promises low, or even $0 premium in exchange for more out-of-pocket costs when you do utilize the plan. Contact schools offering teacher education/certification programs in Illinois. Select this link to view Aetna's MAPD PPO Plan FAQs for your new Prescription drug coverage. Your insurance plan can override your doctors recommendations in the interest of saving money. Its no secret the state of Illinois is in financial trouble and has been for decades. In order to join TRIP, you must be receiving a monthly benefit from TRS and have at least eight years of creditable service. In 2008 and 2009, Illinois faced spikes in pension contributions, and Gov. Your initial enrollment period for Medicare begins three months before your 65th birthday month. Teachers' Retirement Insurance Program Rates as of July 1, 2022 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). @7"SULh%KE{q_WG,KtEZT;::vic00H1\ !U| Illinois hasnt had a balanced budget since 2001. This type of Medicare Advantage plan, also known as an MAPD plan, is aMedicare-approved planthat combines the different parts of Medicare - Part A, Part B and Part D into one plan. Add or drop dependent coverage. Copyright 2023 Sams/Hockaday & Associates, LLC, TRIP and TRAIL Understanding Your Options As a Retired Teacher, Illinois Department of Central Management Services, ADM Retirement Options: Pension and Health Insurance Options Explained, New Health Insurance Change for Retired Caterpillar Union Workers: Here Are Your Options, How to Find Your Medicare Number Without Your Card, Your Medicare ID Cards: From Supplements to Flex Cards. This program provides eligible members and their covered dependents comprehensive medical and prescription drug coverage through Medicare Advantage plans (commonly referred to as "MAPD" plans). You can find us on any of our social pages or reach out directly. Combining school districts knowledge of what is important to their teachers with UnitedHealthcares experience helps to make informed decisions and create tailored plans. Lets call teachers what they are public servants that shape our communities. The plan offered through the TRAIL Program is a Medicare Advantage plan which includes prescription drug coverage. Mt. 1013 0 obj <> endobj All official TRAIL documents and forms carry the states TRAIL logo (shown below). How much will it cost my spouse for health care coverage? That fund provides each member with a guaranteed lifetime annuity upon retirement, regardless of how much the member and employer contributed to the trust fund for that member. The prescription drug benefit offered through TRAIL is refreshingly simple to understand, and it offers more robust coverage than the other Health Alliance Medicare HMO Rx 40 plan offered to anyone on Medicare. The monthly premium is based on the type of coverage selected and the permanent residence on file with TRS. Here's How to Update Your Address with Medicare. You may terminate the TRAIL MAPD coverage at any time by contacting the plan administrator in writing. You will not pay any separate Part D premiums. Prior to February 1, 2014, retired teachers enjoyed a program that resembled a Medicare Supplement Plan F. None of us can say with absolute certainty why TRS decided to change its Medicare program to only offer Medicare Advantage plans. This page includes the contribution rates, a description of benefits offered for the Aetna MAPD PPO, and a list of No-Cost Benefits from the plan. 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.). Benefit recipients who enroll in the Teachers Retirement Insurance Program (TRIP) receive health, prescription and behavioral health coverage. 100% Coverage On Standard Progressive Lenses 20-25% saving on non-covered lens enhancements such as anti-reflective and UV coating Single Vision, Lined Bifocal, and Lined Trifocal Lenses While we do recommend a Medicare Supplement to the majority of retired teachers we meet, there are always going to be exceptions. endstream endobj 1014 0 obj <>/Metadata 65 0 R/Outlines 94 0 R/Pages 1011 0 R/StructTreeRoot 95 0 R/Type/Catalog/ViewerPreferences<>>> endobj 1015 0 obj <. 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 premium is almost double, and you can buy a Medicare Supplement for a fraction of the price. Illinois Teachers' Retirement System - trsil.org 1 What's Happening to our TRS Pension? 2022 TRIP TRAIL Plan Administrators. If you enroll in Medicare, you may want to obtain Medigap insurance to supplement Medicares coverage. Illinois credit rating was downgraded 13 times from 2009 through 2014. This program provides Medicare-eligible members and their covered dependents comprehensive medical and prescription drug coverage through a TRAIL Medicare Advantage Prescription Drug (commonly referred to as "MAPD") plan. 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). Let's get started! Drawing on years of experience and thousands of employees served, experts use historical trends to guide health care plans. Illinois Department ofCentral Management Services. Informational seminars will be held virtually this year to give eligible retirees and survivors an opportunity to learn about the Total Retiree Advantage Illinois (TRAIL) Program. Open Access PlanThe Open Access Plan offers similar cost benefits of an HMO, with the coverage benefits of a traditional health insurance plan. If I predecease my spouse and he or she is not enrolled at the time of my death, can he or she enroll as a survivor? However, we can certainly speculate and make educated guesses. 2815 West Washington Street Employees can also open a Flexible Spending Account for health care and dependent care expenses. A Statement of Health application is available by contacting Minnesota Life at 888-202-5525, or by downloading the form atMyBenefits.illinois.gov. The State of Illinois offers members of the Teachers' Retirement Insurance Program (TRIP) a healthcare program called Total Retiree Advantage Illinois (TRAIL). You can select the pharmacy you love and select the current drugs you take, and Medicares Plan Finder will tell you which plan is best for you at the lowest price available. Lets call teachers what they are public servants that shape our communities. The 140 days/700 hours limit is in effect through June 30, 2022. A Medicare Supplement allows you to see any doctor that participates in Medicare, which is over 90% of all doctors in the United States. 2815 West Washington Street Springfield, Illinois 62702. If you are a teacher (or employee) retiring from a State of Illinois school district, youll likely have some questions about Medicare and how your TRS retiree medical insurance (TRIP) coverage works. 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). To join any Medicare Advantage plan, including the TRAIL plans, Medicare beneficiaries must first enroll in both Medicare Parts A and B. Read Also: Retirement Communities In South America. 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. 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. %PDF-1.6 % The Illinois Department of Central Management Services awarded a contract to Aetna Inc. that will make it the primary health insurance option for retired state workers, WCIA reports. Before you select a plan, be sure to check the plans directory to see if your preferred providers are in the network for the plan that you intend to choose. Our clients loved it, and for good reason! It requires contributions from each active member and public employer to a commingled trust fund. The State of Illinois offers members of the Teachers' Retirement Insurance Program (TRIP) a healthcare program called Total Retiree Advantage Illinois (TRAIL). All of the TRAIL benefit information published here is publicly available via Illinois.gov. Dont Miss: Chartered Retirement Plans Specialist Crps. If you do not want TRAIL MAPD coverage or do not enroll in the Aetna MAPD PPO plan, you will be waived from TRIPs coverage. 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. Medicare Advantage Plans are not a Medicare Supplement plan. Canceling TRAIL MAPD coverage does not allow you to stay in your current TRIP health plan. You are welcome to visit our offices in Springfield or Lisle, Monday through Friday from 9 a.m. to 4 p.m. The TRAIL Medicare Advantage Prescription Drug (MAPD) Open Enrollment Period for the 2022 plan year runs October 15 - November 15, 2021. Some programs offer additional benefits of vision, dental and life insurance coverage. Your primary care physician will direct all of your healthcare needs, from advice on hospital services to specialist referrals. The Teachers Retirement System of the State of Illinois was created by the Illinois General Assembly in 1939 for the purpose of providing retirement annuities, survivors and disability benefits for PK-12 public school educators outside of the City of Chicago. Medicare Advantage TRAIL Program Since 2014, the state has administered a Medicare Advantage Program called TRAIL for annuitants and survivors If the member's and/or dependent's Medicare Beneficiary Identifier (MBI) number is not on file, it must be provided during your enrollment, please make sure you have this information available. The contribution rate for the first 10 years of service were $5/year, the next 5 years were $10/year and the next 10 years were $30/year. Contact us: [emailprotected], Dave Urbanek, with Illinois teachers retirement system, discusses surge in teaching retirements, Illinois Teachers Retirement System Report to the IEA. the local municipalitys program, you should make arrangements with your local insurance coordinator to continue coverage through your group insurance program. Retirement Matters for TRS Tier I Members, Teachers' Retirement System of the State of Illinois, Chapter Ten: Applying for and Receiving Retirement Benefits, Chapter Twelve: Medicare and Social Security, Chapter Fifteen: Refund of Retirement Contributions, TRS Early Retirement Option Sunset Refunds. TRS allows for an unreduced retirement annuity with the following: TRS Tier 2 requires age 67 and 10 years of service. This guide linked below will show you how to enroll through the MyBenefits website atMyBenefits.illinois.gov. Our organization exists to serve our senior community, so were here to clear up the confusion and help you make an educated, informed choice for your retirement. Total Retiree Advantage Illinois (TRAIL) Health Insurance, Teachers' Retirement System of the State of Illinois, CURRENT: Your TRAIL Medicare Advantage Prescription Drug (MAPD) Program Initial Enrollment Guide, CURRENT: Effective Jan. 1, 2023 - Dec. 31, 2023 - Total Retiree Advantage Illinois (TRAIL) Summary. Retirement benefits are determined by a formula in state law that includes age, final average salary at retirement, and total creditable service time. Does Medicare Cover Cremation and Other End-of-Life Expenses? When we calculate the first increase percentage, we determine the number of years that have elapsed since your TRS retirement annuity began and the effective date of your initial increase, and then multiply that amount by 3 percent. She is a member of the Forbes Finance Council and frequently writes about Medicare, retirement, and personal finance. Retirees who enroll in this coverage get their health benefits, medications and behavioral health coverage from the plan. Perhaps what we all took for granted was freedom of choice. You can find us on any of our social pages or reach out directly. Active and inactive members are not eligible. However, if you are in one of the high-income brackets, you will be charged a monthly adjustment amount on Part D as well since Part D benefits are built into the plan. For your Medigap options, contact the, Blue Cross and Blue Shield plan for retirees and family members under the age of 65, Terminated IMRF participation for retirement, or. Youre probably not going to find another drug plan out there like it. Tell Me About. Once the annual deductible has been met, each plan participant is subject to a maximum annual dental benefit. TRIP Medicare Advantage Prescription Drug (MAPD) Plan Monthly Rates for 2017. Your feedback is very important to us. If you add a non-Medicare dependent, you will be ineligible to enroll in a TRAIL MAPD plan. HMO Policy. As a newly-eligible participant in the TRAIL MAPD Program, you may: Elect to cancel your coverage. Medical underwriting will be required to add or increase Member Optional Life and to add Spouse Life coverage. Yes. %%EOF 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 While the benefits offered through TRAIL are better than options offered to anyone eligible for Medicare, they simply do not compare to a Medicare Supplement. 2022 TRIP TRAIL Initial Enrollment Guide - For newcomers to TRAIL. Retired teachers were confused and didnt understand was this a positive change, or were the benefits they grew to know and love in jeopardy? If your TRIP medical and prescription coverage is terminated, you will have only Original Medicare for your medical coverage. So many just get used to having the same insurance. TEACHERS' INSURANCE PROGRAM. Vision coverage through EyeMed is provided at no additional cost to members enrolled in any of the TRAILMAPD plans. Retired Teachers: Is TRS Really the best Insurance Option? Yes, as an active TRS member, you are required to contribute 9.0 percent of your gross earnings toward retirement each year. If you prefer to mail or fax the form to TRS: Sign out of the TRS Secure Document Upload Center. Please reach out to us here at Sams/Hockaday. The program offers two types of plans: standard plans and Medicare Advantage plans. 2021 RetirementTalk.net | $119.35. Read Also: Jp Morgan Chase Retirement Plan Administration. Health Alliance Medicare HMO Rx 40 Drug Coverage. 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. She has been helping people navigate through the Medicare process in addition to helping with other areas, such as financial products and life insurance needs. 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. Until then, the program always resembled a Medicare Supplement Plan F, which represents no deductibles, no copays, and no coinsurance for all Medicare-approved charges.. Dont Miss: What Is A Comfortable Retirement Income. Your current health plan may cover services that Original Medicare does not cover. Enrollment in the TRAIL MAPD plan provides you with Medicare Advantage coverage as well as Medicare Part D coverage. The average nationwide monthly premium for a Part D plan is $30. Illinois hasnt had a balanced budget since 2001. If you add a non-Medicare dependent, you will be ineligible to enroll in a TRAIL MAPD plan. The other scenario is if youre covered through the VA. One of our clients is eligible for 100% coverage through the VA. Territories, When we understand this history, it makes sense that the Illinois government would be looking for ways to save money. Together we can provide you with the dental and vision plans you need to keep your teeth and eyes healthy now and for years to come. It looks like your browser does not have JavaScript enabled. To obtain additional coverage you may enroll in a Part D prescription drug plan for prescription drug coverage, re-enroll in the TRIP-Sponsored TRAIL plan throughout the plan year with coverage effective the first of the month following your enrollment request, or enroll during your next annual TRAIL MAPD Enrollment Period. The period allowed benefit recipients to change health plans and/or add eligible dependent coverage. In most cases, your local community will give you the option of an indemnity plan or a choice of an HMO. 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 . In 2008 and 2009, Illinois faced spikes in pension contributions, and Gov. You will gain access immediately after setting up the account and logging in. please contact Teachers' Retirement System of the State of Illinois at 877-927-5877. Springfield, Illinois 62702. When you live in a larger city, there are more doctors and hospitals, and the network is less of a hurdle. Our clients loved it, and for good reason! Retired members are eligible for the Total Retiree Advantage Illinois (TRAIL) Program if they are enrolled in Medicare Parts A & B. If we do not have a Beneficiary Designation form on file and no dependent beneficiary survives you, we will pay the death benefits to your estate. You will receive the increase on thelater of: Jan. 1 following your first anniversary in retirement or. 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