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. The 2022 Benefit Choice Period for insurance changes during the fiscal year that begins on July 1, 2022 wasMay 1 through May 31, 2022. Illinois Teachers' Retirement System - trsil.org 1 What's Happening to our TRS Pension? Springfield, Illinois 62702. Note: If you cancel your TRIP TRAIL MAPD coverage, medical and prescription drug coverage for you and your enrolled dependents will end. A $10 copayment is required for eye exams, spectacle lenses and standard frames. This report will be available in late November and you will be notified via email when it is ready for viewing. TRS pays on the first of the month for the prior month. Starting in 2007, the Medicare Part B premium is based on retirees income: In the past, all Medicare-eligible retirees paid the same premium for their Medicare Part B 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. Does my retirement option have any bearing on the eligibility of my spouse to enroll in health care insurance? Thankfully, Illinois offers its teachers access to affordable health insurance, assuaging the fears and worries of its public employees. Retirees, annuitants, and survivors with less than 20 years of service are required to pay 5% of the cost of coverage for every year of service they have less than 20 years. The Department of Central Management Services (CMS) has recently announced that open enrollment for the state of Illinois Total Retiree Advantage Illinois (TRAIL) Medicare plans will be Nov. 1- Nov. 30, 2022. 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). In other words, retirees will pay lower monthly contributions for coverage. Employees are currently divided into either Tier I or Tier II based on their hire dates. Use your Delta Dental card for dental services. Your feedback is very important to us. Retired members are eligible for the Total Retiree Advantage Illinois (TRAIL) Program if they are enrolled in Medicare Parts A & B. HMO plans often require you to choose a primary care provider and you may need to see that provider for a referral before you can see a specialist. Retirees who enroll in this coverage get their health benefits, medications and behavioral health coverage from the plan. Select this link to view Aetna's MAPD PPO Plan FAQs for your new Prescription drug coverage. Insurance includes health, dental and prescription coverage. For an overview of the benefits we administer and answers to many benefit questions, please consult either the Tier 1 Member Guide or Tier 2 Member Guide online. The local insurance program will then serve as a supplement to Medicare. Illinois Department ofCentral Management Services. Copayment, coinsurance and deductible payments for the services listed below apply to the out-of-pocket maximum for the plan year (effective July 1, 2023 - June 30, 2024). Became totally and permanently disabled and are receiving IMRF disability benefits. The Teachers Retirement Insurance Plan (TRIP) in Illinois was a fabulous program until February 1, 2014. 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 For instance, your December retirement benefit will be received on Jan. 1. AND. The system was established in 1939 and is the largest public retirement system in the state. The State of Illinois offers members of the Teachers' Retirement Insurance Program (TRIP) a healthcare program called Total Retiree Advantage Illinois (TRAIL). You get to utilize the Original Medicare benefits youve been paying into for years. Plan G, for example, requires you to pay the Medicare Part B deductible, which is $198 in 2020. You should contact your local benefits coordinator for Medigap options. Retired members are eligible for the Total Retiree Advantage Illinois (TRAIL) Program if they are enrolled in Medicare Parts A & B. Medicare-eligible TRIP members who want to continue medical and prescription drug coverage through TRIP, are required to enroll in the TRAIL MAPD health plan if they and their covered dependents are all enrolled in Medicare Parts A and B. You must keep Medicare Parts A and B and continue to pay the applicable Medicare premiums, including applicable IRMAA (Income Related Monthly Adjustment Amount) surcharges. You will have no out-of-pocket costs for any medical bills approved by Medicare. While you do have to purchase a separate drug plan, you have the advantage of choosing one that fits your needs. 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. Due to your Medicare-eligibility, you cannot keep your current State of Illinois health plan. TEACHERS' INSURANCE PROGRAM. This is essentially a few Medicare Advantage plans you can choose from. Teachers' Retirement System (TRS) Rates. You will not need to enroll in Medicare Part D because your TRAIL Medicare Advantage plan already includes this coverage. While this may be in the best interest of the states budget, that doesnt mean its in the best interest of our states teachers. You have the option to leave TRAIL and utilize your Original Medicare benefits with a Medicare Supplement. hb```a``z ] "@Q5 Does Medicare Cover Cremation and Other End-of-Life Expenses? 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. program or under locally provided insurance , and on whether your municipality has accepted the provisions of M.G.L. H6q>0 This open enrollment period occurs each fall. Elect to re-enroll in coverage. 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. If, prior to enrolling in Medicare, you were covered under: If you enroll in an IMRF-endorsed plan after retirement, or participate in the Sav-Rx Prescription Drug Discount Card Program, Delta Dental plan, or the United Healthcare Vision Care plan, you can choose to have your insurance premiums deducted directly from your monthly benefit payments. The MAPD plans are not permitted to consider the deductible(s) you might have already paid in your other plan. Total Retiree State Government Suggestion Award Board (SGSAB), College Insurance Program (CIP) Benefit Plans, Local Government Health Plan (LGHP) Benefit Plans, Total Retiree Advantage Illinois (TRAIL) Program, TRIP Plan Year 2022 Fall Open Enrollment Materials, Prescription Drug Coverage with the TRAIL MAPD Program, Register, Become a Vendor & State Government. Disclaimer: We are not part of or affiliated with the TRS. To request automatic premium deduction, please complete a Health Care Program Premium Deduction Authorization for IMRF Endorsed Plans, form and return it to Doyle Rowe LTD with your enrollment form. $173.31. Dependent Rates. Also, enrolling in the three months prior to your birthday month will ensure your benefits begin by the 1st of the month in which you turn 65. Medicare Advantage Plans, sometimes called "Part C" or "MA Plans," are an all in one alternative to Original Medicare. Disclaimer: We are not part of or affiliated with the TRS. TRIP stands for Teachers Retirement Insurance Program. You can find us on any of our social pages or reach out directly. Your dependent beneficiary would be $391.07. Your annual PPO deductible will start again for the TRAIL MAPD Plan Year. For a detailed example on how to calculate your days and hours worked, select this link. If you do meet with a Sams/Hockaday, we will ask for more information on the benefits offered to you for a fair comparison of your options. Medicare pays for the COVID-19 booster shot. Make sure youre doing whats best for you in retirement! The TRAIL Medicare Advantage Prescription Drug (MAPD) Open Enrollment Period for the 2022 plan year runs October 15 - November 15, 2021. You dont need any pre-approvals with a Medicare Supplement. 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. For the 2022-23 school year, the post-retirement limitations will revert to 120 days or 600 hours. Coventry Advantra HMO (An Aetna Company) Health Alliance MAPD HMO. Each fall, CMS sends out information about the TRAIL Program. endstream endobj startxref The premium is almost double, and you can buy a Medicare Supplement for a fraction of the price. 5XuBWy;). )^}Fxy`cQ@H2p@!8H3@  Hs10U;3,bt0 \A If you add a non-Medicare dependent, you will be ineligible to enroll in a TRAIL MAPD plan. 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. Please confirm your TRS plan options and benefits. An important notice for charter school employees and inactive members: Be aware that school districts have different rules for providing insurance coverage to active members and retired members, and your district may or may not provide you with insurance benefits in retirement. Retirees who enroll in this coverage get their health benefits, medications and behavioral health coverage from the plan. The most youd ever pay for a drug is a $100 copay. Dental Plans That Fit Your Budget: When you live in a larger city, there are more doctors and hospitals, and the network is less of a hurdle. All newly-eligible participants, who elect to enroll in the TRAIL MAPD Program will be enrolledin the Aetna Medicare Advantage Prescription Drug (MAPD) PPO Plan. 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. 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. 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. A Medicare Supplement allows you to see any doctor that participates in Medicare, which is over 90% of all doctors in the United States. 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 Aetna MAPD PPO Plan offers lower premiums for coveragesaving both retirees and the State of Illinois money. Medicare and Medicare Supplements do not have networks, and you can see any provider that accepts Medicare. 1013 0 obj <> endobj If you are uncertain of your retirement benefits, contact your retirement system. Association Member Benefits Advisors (AMBA) knows insurance. 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. We're here to help you get the most from your plan. State of Illinois Employment? $117.27. Office: Sams/Hockaday & Associates 122 W. Prairie Ave, #201 Decatur, Illinois 62523. Medicare Advantage Plans are not a Medicare Supplement plan. Pat Quinn took out more debt to make the 2010 and 2011 budgets balance . All other claims for your healthcare services (including prescription drugs) should be sent to your MAPD plan administrator for processing and benefit determinations. Since the insurance company has greater control over your medical usage in this style of network, you will often find that the premiums are lower than for the PPO plan. Prescription Drug (MAPD) plan, you and your eligible dependents must: Live in the United States or the U.S. In 2014, the program changed to only offer a few Medicare Advantage plans. Pat Quinn took out more debt to make the 2010 and 2011 budgets balance (IllinoisPolicy.org). As a TRIP member, who is newly-eligible for enrollment in the TRAIL MAPD health plan, this is your opportunity to enroll in the Aetna MAPD PPO Plan. 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. I'm so glad she came to us, I was putting off shopping for insurance. This guide linked below will show you how to enroll through the MyBenefits website atMyBenefits.illinois.gov. Here's How to Update Your Address with Medicare. 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. 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. The Health Alliance HMO available through TRAIL, A Medicare Supplement Plan G (quoting 65-year-old rates). Note: If you cancel your TRIP TRAIL MAPD coverage, medical and prescription drug coverage for you and your enrolled dependents will end. G This program provides medical, prescription, vision, dental, and life insurance benefits for certain former elected state officials and the employees under their jurisdiction, as well as retirees, annuitants, and survivors of prior employees of state agencies, boards, commissions, and universities. 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. If you prefer to mail or fax the form to TRS: Sign out of the TRS Secure Document Upload Center. Teachers' Retirement Insurance Program (TRIP) Medicare Retirees and Survivors This program provides medical and prescription insurance benefits for annuitants receiving a monthly benefit or annuity from the Teachers' Retirement System (TRS) who prior to retiring, were an employee of an Illinois school district. Territories, The health insurance options available to you under this plan will vary according to the insurance plans negotiated within your local community. The program offers two types of plans: standard plans and Medicare Advantage plans. One of the benefits available to retired teachers is TRAIL, or the Total Retiree Advantage Illinois (TRAIL) Program. Our clients loved it, and for good reason! Jan. 1 following the date you reachage 61. 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. Add your info below, and we'll send occasional insurance news and tips to help you make sure you're safely covered. For a detailed example on how to calculate your days and hours worked, select this link. This program provides medical and prescription insurance benefits for annuitants receiving a monthly benefit or annuity from the Teachers Retirement System (TRS) who prior to retiring, were an employee of an Illinois school district. 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. business-member-directory-association-of-california.jpeg, Chartered Retirement Plans Specialist Crps, Jp Morgan Chase Retirement Plan Administration, Health Insurance Continuation Through Employer Premium Deduction Authorization, teacher education/certification programs in Illinois, State Teachers Retirement System Of Ohio Annual Report, What Type Of Retirement Plan Is Tiaa Cref, Public Employees Retirement System Sacramento. For retirees whose total earnings exceed $80,000 or $160,000 , the Part B premiums increase on a sliding scale, up to a maximum of $161.40/month for those retirees whose income exceeds $200,000 or $400,000 . The percentage of the premium that you pay as a retiree may remain the same or even go down. Moving? During the 2021-22 school year, a retired Tier I member may work in a TRS-covered position for 140 days or 700 hours and not lose benefits. Also Check: State Teachers Retirement System Of Ohio Annual Report. Remaining in your current TRIP health plan is not an option. How much will it cost my spouse for health care coverage? As a TRIP member who is eligible for Medicare, the Teachers' Retirement Insurance Program (TRIP) offers you a retiree healthcare program called Total Retiree Advantage Illinois (TRAIL). TRAIL MAPD is a retiree healthcare program sponsored by the Teachers' Retirement Insurance Program (TRIP). As you can see, the Medicare Advantage options offered for retired teachers are not low or $0 premium they cost $112.89 per month for 2021. the local municipalitys program, you should make arrangements with your local insurance coordinator to continue coverage through your group insurance program. Medicare and Medicare Supplements do not have networks, and you can see any provider that accepts Medicare. 2815 West Washington Street Springfield, Illinois 62702. You will receive the increase on thelater of: Jan. 1 following your first anniversary in retirement or. In 2014, the program changed to only offer a few Medicare Advantage plans. To better prepare for your Medicare Enrollment, click here to review this Medicare Checklist: Open Enrollment (OE): an annual enrollment period held in the fall of each year. You can find the 2019 plan summaries here. The four groups include State employees and retired State employees; retired community college employees . Total Retiree Advantage IL (TRAIL MAPD) Teachers' Retirement Insurance Program 2023 TRIP Open Enrollment 2023 TRIP TRAIL Open Enrollment for TRAIL Current Members November 1 - 30, 2022 Beginning January 1, 2023, Aetna Medicare Advantage Prescription Drug (MAPD) PPO Plan will replace your current plan. Wed be happy to compare your current or upcoming TRAIL benefits to that of a Medicare Supplement. While we do recommend a Medicare Supplement to the majority of retired teachers we meet, there are always going to be exceptions. 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. 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. 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