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 Due to your Medicare-eligibility, you cannot keep your current State of Illinois health plan. 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. As a newly-eligible participant in the TRAIL MAPD Program, you: MUST enroll in the TRAIL MAPD health plan during your enrollment period, via MyBenefits.illinois.gov or by calling the MyBenefits Service Center (toll-free) 844-251-1777. * 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. Benefit recipients who enroll in the Teachers Retirement Insurance Program (TRIP) receive health, prescription and behavioral health coverage. Most TRIP members who are eligible for Medicare Parts A and B must enroll in one of the TRAIL Medicare Advantage plans offered in his/her county of residence in order to keep TRIP insurance coverage after December 31, 2021. Retired or disabled public safety employees are eligible to take a tax deduction of up to $3,000 on their federal income tax return for health insurance or long term care insurance premiums. This program provides medical, prescription, vision, and dental insurance benefits for annuitants receiving a monthly benefit or annuity from the State Universities Retirement System (SURS) who prior to retiring, were an employee of an Illinois community college. 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. Lets call teachers what they are public servants that shape our communities. 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 None of us can say with absolute certainty why TRS decided to change its Medicare program to only offer Medicare Advantage plans. Youll receive this newsletter three times a year via email or mail. To join any Medicare Advantage plan, including the TRAIL plans, Medicare beneficiaries must first enroll in both Medicare Parts A and B. Accordingly, if you are either an employee of a charter school, or you are not employed by a school district, as soon as you start thinking about retiring, investigate your eligibility for retiree health coverage, as your districts rules may affect your retirement decisions. Illinois Retired Teachers Association (IRTA) knows Retired Educators like you. Benefit recipients enrolled in TRIP have prescription drug coverage available. In other words, retirees will pay lower monthly contributions for coverage. In order to join TRIP, you must be receiving a monthly benefit from TRS and have at least eight years of creditable service. In order to join TRIP, you must be receiving a monthly benefit from TRS and have at least eight years of creditable service. 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. Prior to July 1, 1933, contributions were based on a flat dollar amount per year. Canceling TRAIL MAPD coverage does not allow you to stay in your current TRIP health plan. While we do recommend a Medicare Supplement to the majority of retired teachers we meet, there are always going to be exceptions. Aetna was. Also Check: Best Retirement Funds For Young Adults. 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. Each plan participant has a maximum dental benefit of $2,000. In 2008 and 2009, Illinois faced spikes in pension contributions, and Gov. Medicare Advantage TRAIL Program Since 2014, the state has administered a Medicare Advantage Program called TRAIL for annuitants and survivors Your completed Beneficiary Designation form determines how death benefits are distributed. the RMT program, you will be required to enroll in Medicare, if eligible you should then apply for Medigap coverage through the Group Insurance Commission. 2021 RetirementTalk.net | Your feedback is very important to us. 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. You can select your benefits through the State of Illinois' MyBenefits website. Dependents will be enrolled in the same plan as the member. This type of Medicare Advantage plan, also known as an MAPD plan, is a Medicare-approved plan that combines the different parts of Medicare Part A, Part B and Part D into one plan. Not sure if you needed a bio, but if you want to use one, here it is: Danielle K Roberts is a Medicare insurance expert and co-founder at Boomer Benefits, a licensed insurance agency that helps baby boomers with Medicare supplemental coverage. If youve determined you qualify for this deduction and want IMRF to deduct your premiums from your pension payment and pay your insurer directly, you will need to complete one of the following forms: If you are continuing your health insurance coverage through your employer after retirement and you want to have your premium costs deducted directly from your monthly pension, complete a Health Insurance Continuation Through Employer Premium Deduction Authorization form and return it to your employer. Select this link to view Aetna's MAPD PPO Plan FAQs for your new Prescription drug coverage. Note: If you cancel your TRIP TRAIL MAPD coverage, medical and prescription drug coverage for you and your enrolled dependents will end. Once you have established coverage with the Medicare program, the MTRS will withhold the monthly premium for your Medigap coverage. 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. All members are required to pay a premium for dental and dependent coverage. Please confirm your TRS plan options and benefits. It didnt used to be that way, though. If you add a non-Medicare dependent, you will be ineligible to enroll in a TRAIL MAPD plan. Board of Trustees; Careers; Financial Reports; FOIA/Public Record; Investments; Legislation; Vendors; Teachers' Retirement System of the State of Illinois Location. Insurance includes health, dental and prescription 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. The Teachers' Retirement Insurance Program (TRIP) offers its members a healthcare program called Total Retiree Advantage Illinois (TRAIL). 2022 TRIP TRAIL Initial Enrollment Guide - For newcomers to TRAIL. 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. %%EOF The most youd ever pay for a drug is a $100 copay. Note: If you cancel your TRIP TRAIL MAPD coverage, medical and prescription drug coverage for you and your enrolled dependents will end. Retired members in theTeachers' Retirement System of the State of Illinois collect a lifetime monthly retirement benefit. Plan administrators can work with UnitedHealthcare to choose a plan for teachers and staff. Please make an appointment so that we are prepared for your counseling session. TRS contributions and benefits have fluctuated over the years. 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. The TRAIL Program provides comprehensive medical and prescription drug coverage through the Aetna MAPD PPO plan, which is a Medicare-approved plan that combines the different parts of Medicare into one plan. 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 annuitants and survivors a healthcare program called Total Retiree Advantage Illinois (TRAIL). Illinois hasnt had a balanced budget since 2001. 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. You are welcome to visit our offices in Springfield or Lisle, Monday through Friday from 9 a.m. to 4 p.m. These lower costs are found in the Open Enrollment Decision Guide. Your benefits are unique in that TRIP will transition over to your Medicare and TRIP after age 65. You can select your benefits through the State of Illinois MyBenefits website. Became totally and permanently disabled and are receiving IMRF disability benefits. Initial enrollment is a one-time offering. Group insurance benefits under TRIP include medical and prescription drug coverage. Your dependent beneficiary would be $391.07. Jerry explains he got bills for hundreds of thousands of dollars but was only responsible for $21.65. 2023-2024 Plan Highlights. You may enroll in TRIP coverage, but your premium will be based onthe Age 65 Not Medicare Primary rate. Springfield, Illinois 62702. 1079 0 obj <>stream Dependent Rates. The TRAIL Medicare Advantage Open Enrollment Period for the 2022 plan year is October 15 November 15, 2021. The health insurance options available to you under this plan will vary according to the insurance plans negotiated within your local community. Under the law, the limits are scheduled to return to 100 days or 500 hours on July 1, 2023. 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. insurance to eligible members under the Teachers' Retirement System (TRS) who retired from an eligible K12 Illinois school district. By having the MTRB deduct your insurance payment, your insurance will be automatically paid on a monthly basis. 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. For more complete benefit information regarding TRAIL and the health plan benefits with your new Aetna MAPD PPO plan, please review your: 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. 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? Pat Quinn took out more debt to make the 2010 and 2011 budgets balance (IllinoisPolicy.org). Thankfully, Illinois offers its teachers access to affordable health insurance, assuaging the fears and worries of its public employees. TRAIL MAPD is a retiree healthcare program sponsored by the Teachers' Retirement Insurance Program (TRIP). 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. In turn, we forward your premium to your local community on your behalf. The standard base premium in 2019 is $135.50/month. 2022-23 Teachers' Retirement Insurance Program (TRIP) Rates: Download: Footer. State of Illinois Employment? 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. Recommended Reading: Using Home Equity In Retirement. 1013 0 obj <> endobj It requires contributions from each active member and public employer to a commingled trust fund. Add your info below, and we'll send occasional insurance news and tips to help you make sure you're safely covered. How much will it cost my spouse for health care coverage? $117.27. 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. Weve never come across a case where we did not recommend the spouse or dependent to have a Medicare Supplement. 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. When we understand this history, it makes sense that the Illinois government would be looking for ways to save money. When you enroll in a Medicare Advantage Prescription Drug (MAPD) plan, you are no longer in Original Medicare, but still have the same covered services and the same rights and protections as people with Original Medicare. A government defined benefit plan is a traditional pension. Starting January 1, 2023, many of these retirees will have a new Aetna Medicare Advantage plan with prescription drug coverage. TRAIL MAPD Plan Monthly Contributions Effective January 1, 2022. Employees are currently divided into either Tier I or Tier II based on their hire dates. MyBenefits Service Center at 1-844-251-1777 from 8am - 6pm CT or by visiting mybenefits.illinois.gov to ask about eligibility, make changes to your coverage, or opt out of the Aetna MAPD PPO plan. Here's How to Update Your Address with Medicare. 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. Teachers' Retirement Insurance Program (TRIP) Handbook. You may re-enroll in medical/prescription drug coverage if you previously canceled coverage. However, we would suggest that you contact your benefits coordinator in order to find out what your costs will be when you retire. 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. You will not need to enroll in Medicare Part D because your TRAIL Medicare Advantage plan already includes this coverage. Retired members are eligible for the Total Retiree Advantage Illinois (TRAIL) Program if they are enrolled in Medicare Parts A & B. The Teachers Retirement Insurance Plan in Illinois was a fabulous program until February 1, 2014. All official TRAIL documents and forms carry the states TRAIL logo (shown below). 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. The Teachers Retirement System in Illinois provides retirement, death, and disability benefits for all licensed educators employed in Illinois public schools outside of the City of Chicago.. For the 2022-23 school year, the post-retirement limitations will revert to 120 days or 600 hours. If you take a rare, very expensive medication, wed encourage you to stay on TRAILs Medicare Advantage plan. 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. You may or may not have to choose a primary care physician, but referrals usually arent necessary. The State of Illinois offers members of the Teachers' Retirement Insurance Program (TRIP) a healthcare program called Total Retiree Advantage Illinois (TRAIL). Each benefit may be paid to separate beneficiaries or both benefits may be paid to the same beneficiaries. A Medicare Advantage Prescription Drug (MAPD) plan through TRAIL isnt your only option. However, you can also call them for an application in the mail or go down to your local office in person. All active members, employers and investment income fund the benefit payments of retired employees. You can find us on any of our social pages or reach out directly. The MTRS will be able to deduct your monthly premium from your retirement allowance. I felt very comfortable asking any questions, her answers were thorough, and well explained. 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. hb```a``z ] "@Q5 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. 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. 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. Aetna PPO will be the only insurance carrier offered under the plans effective Jan. 1, 2023. This guide linked below will show you how to enroll through the MyBenefits website atMyBenefits.illinois.gov. We know of many teachers who spend their own money on classroom supplies and decorations because they arent given enough to make it happen. Use your EyeMed card for all routine vision care. 2815 West Washington Street Starting in 2007, the Medicare Part B premium is higher for retirees whose income exceeds certain limits. Watch the 3.5 minuteBenefit Choice Open Enrollment video. Its as simple as that. Select the document to upload. Advantage Illinois (TRAIL). 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. 2022 TRIP TRAIL Plan Administrators. You are not eligible to enroll in a TRAIL plan. Retirement benefits are determined by a formula in state law that includes age, final average salary at retirement, and total creditable service time. TRS pays on the first of the month for the prior month. 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. Laura Pecina served us very well. Coventry Advantra HMO (An Aetna Company) Health Alliance MAPD HMO. Health Alliance Medicare HMO Rx 40 Drug Coverage. Open Access PlanThe Open Access Plan offers similar cost benefits of an HMO, with the coverage benefits of a traditional health insurance plan. You can find the 2019 plan summaries here. Retired members are eligible for the Total Retiree Advantage Illinois (TRAIL) Program if they are enrolled in Medicare Parts A & B. 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. 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. All of the TRAIL benefit information published here is publicly available via Illinois.gov. Send a copy of your Medicare card to TRS. MA plans have deductibles, copays, coinsurance, and most importantly, provider networks. 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). You should contact your local benefits coordinator for Medigap options. If I predecease my spouse and he or she is covered at the time of my death, can he or she continue coverage as a survivor? Your report contains important information about your earnings, years of service, sick leave, optional service credit and designated beneficiaries. If you cancel coverage, you will lose medical and prescription drug coverage. hbbd```b``@$e"TF``a , &j`g DN `^e$a^0DH6.v0){ Illinois hasnt had a balanced budget since 2001. A Medicare Supplement allows you to see any doctor that participates in Medicare, which is over 90% of all doctors in the United States. Make sure youre doing whats best for you in retirement! In 2008 and 2009, Illinois faced spikes in pension contributions, and Gov. The average nationwide monthly premium for a Part D plan is $30. Members enrolled in any of the four group insurance programs administered by the State of Illinois are provided health and prescription drug benefits. 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. Does Medicare Cover Cremation and Other End-of-Life Expenses? Moving? Dont Miss: What Is A Comfortable Retirement Income. All members and enrolled dependents have the same vision coverage regardless of the healthplan selected. The premium is almost double, and you can buy a Medicare Supplement for a fraction of the price. (TRAIL) Medicare Advantage * CMS, July 2020 18,100* PPO (Teachers Choice) HMO Life insurance coverage options depend on when you retired and whether you are an immediate annuitant, deferred annuitant, or survivor. She was all of the following - friendly, professional, approachable, and knowledgeable. For instance, your December retirement benefit will be received on Jan. 1. There are annual Benefits Choice Periods during which new retirees will transition from TRIP into a TRAIL Medicare Advantage plan. Read Also: How Much Money Needed To Retire At 55. $170 allowance for featured brands 20% savings on the amount over your allowance Lenses covered every 12 months. While you do have to purchase a separate drug plan, you have the advantage of choosing one that fits your needs. Learn more about becoming a teacher. She came to our house without an appointment, and I'm very glad she did. please contact Teachers' Retirement System of the State of Illinois at 877-927-5877. Your contributions are used as follows: 7.5 percent for retirement annuities 0.5 percent for automatic annual increases in annuities 1 percent for death benefits TRS allows for an unreduced retirement annuity with the following: TRS Tier 2 requires age 67 and 10 years of service. Perhaps what we all took for granted was freedom of choice. 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. You will not pay any separate Part D premiums. Office: Sams/Hockaday & Associates 122 W. Prairie Ave, #201 Decatur, Illinois 62523. Yes. We prefer the simplicity and depth-of-coverage Medicare Supplements offer seniors. Coverage for Medicare Part A is free to eligible retirees. He could go to the VA hospital in Jacksonville if the TRIP option left him hanging. Tier 2 does allow for a permanently reduced annuity between the ages of 62-67 with 10 years of service. Nearly all annuitants receive a 3 percent annual increase in their annuities. This premium-free coverage includes medical, prescription and EyeMed vision coverage. At the end of fiscal year 2016, TRS had 406,855 members and processed more than $5.8 billion in benefits (Illinois.gov). TRAIL stands for Total Retiree Advantage Illinois (TRAIL). Lets call teachers what they are public servants that shape our communities. Enrollment in the TRAIL MAPD plan provides you with Medicare Advantage coverage as well as Medicare Part D coverage. For questions about your coverage or premium, contact the Group Insurance Commission at 617-727-2310. The Aetna health benefits plans offered by the State of Illinois provide you with tools, tips, programs and services such as: Large national network of doctors and hospitals In network lab benefits Worldwide emergency care coverage Access to online and mobile tools Plan documents Click on each Aetna plan name below to learn more. Zion Workshop January 4, 2021 1 . 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. The State of Illinois offers health care benefits to more than 150,000 retirees. Each fall, CMS sends out information about the TRAIL Program. The Health Alliance HMO available through TRAIL, A Medicare Supplement Plan G (quoting 65-year-old rates). It's called Aetna Medicare Plan (PPO) with Extended Service Area (ESA). TRS Long-term Finances Are Stable Despite "Challenging" Year Despite several "challenges" that continue to shake the economy and the investment Keep Reading TRS Certifies $6.04 Billion State Contribution for Fiscal Year 2024 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. See what's covered Featured updates MDLIVE Teachers' Retirement Insurance Program Rates as of July 1, 2022 This increased benefit continues until the next annual increase of3 percent is applied. Illinois Teachers' Retirement System - trsil.org 1 What's Happening to our TRS Pension? 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. You will gain access immediately after setting up the account and logging in. Please turn on JavaScript and try again. Patty Gogerty has been with Sams/Hockaday &Associates for over 30 years. The local insurance program will then serve as a supplement to Medicare. Medicare Advantage typically promises low, or even $0 premium in exchange for more out-of-pocket costs when you do utilize the plan. A member's benefits are suspended if the limit is exceeded and the member has not been approved to teach in a subject shortage area. A $10 copayment is required for eye exams, spectacle lenses and standard frames. Elect to re-enroll in coverage. Pat Quinn took out more debt to make the 2010 and 2011 budgets balance . This enrollment period is open for Medicare-eligibleretirees, survivors, and theirdependentsto change their elections, or for anyone who previously waived or canceled coverage to re-enroll. The basic structure of Illinois's teacher defined benefit (DB) pension is similar to that of other states. Dental Plans That Fit Your Budget: Medicare Advantage plans are required to cover all services covered by Original Medicare. This open enrollment period occurs each fall. 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.). 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. 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