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TRS explains retiree health plans, enrollment windows and new Medicare family split
Summary
A TRS staff member outlined eligibility, premiums and enrollment steps for the Teacher's Retirement Insurance Program (TRIP) and the Total Retiree Advantage Illinois Medicare Advantage program (TRAIL), including a new rule that requires Medicare-eligible members to move to TRAIL even if dependents are not yet Medicare-eligible.
A TRS staff member explained eligibility, premiums and enrollment steps for the Teacher's Retirement Insurance Program (TRIP) and the Total Retiree Advantage Illinois Medicare Advantage program (TRAIL) during a recorded "Connecting with Retirees" segment.
The presentation summarized who qualifies for TRIP and TRAIL, the annual benefit-choice and open-enrollment windows, per-person monthly premiums listed for July 1, 2025–June 30, 2026, and a new "Medicare family split" rule that requires a Medicare-eligible individual to enroll in TRAIL even if a dependent is not yet Medicare-eligible.
TRIP is TRS's pre‑Medicare group of plans that can include medical, prescription drug, dental and vision coverage for retirees and dependents. TRAIL is the Total Retiree Advantage Illinois Medicare Advantage program for Medicare‑eligible members; it also includes medical, prescription drug, dental and vision coverage. TRS determines eligibility; Central Management Services (CMS) administers the plans and negotiates with insurers.
Eligibility: The presenter said members need at least…
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