We know of many teachers who spend their own money on classroom supplies and decorations because they arent given enough to make it happen. These "bundled" plans include Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance), and in the case of your TRIP-Sponsored TRAIL plan, Medicare prescription drug (Part D) is also included. In order to be covered, the service must be considered medically necessary and in certain cases, meet Medicare guidelines for approval. Also Check: Best Retirement Funds For Young Adults. 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 program offers two types of plans: standard plans and Medicare Advantage plans. 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. Thankfully, Illinois offers its teachers access to affordable health insurance, assuaging the fears and worries of its public employees. 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. If your residential or mailing address changes, you must notifybothyour retirement system and the Social Security Administration in writing as quickly as possible. MA plans have deductibles, copays, coinsurance, and most importantly, provider networks. These lower costs are found in the Open Enrollment Decision Guide. If you add a non-Medicare dependent, you will be ineligible to enroll in a TRAIL MAPD plan. As a teacher, you can choose from the following plans to insure you and your loved ones: Quality Care Health PlanThe QCHP offers the most comprehensive range of health benefits to teachers of any insurance plan. TRAIL MAPD Plan Monthly Contributions Effective January 1, 2022. 2815 West Washington Street 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. 0 2815 West Washington Street Youre probably not going to find another drug plan out there like it. If you enroll in Medicare, you may want to obtain Medigap insurance to supplement Medicares coverage. Select this link to view Aetna's MAPD PPO Plan FAQs for your new Prescription drug coverage. Medicare Advantage plans are required to cover all services covered by Original Medicare. TRS contributions and benefits have fluctuated over the years. Members enrolled in any of the four group insurance programs administered by the State of Illinois are provided health and prescription drug benefits. 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. You can select your benefits through the State of Illinois' MyBenefits website. 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. 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. Read Also: How Much Money Needed To Retire At 55. If you fail to provide a copy of the Medicare card with your MBI number to the Medicare COB unit or your Retirement system, your TRAIL MAPD and TRIP medical insurance will be waived for the dependent(s) with the missing documentation and waived for the entire household if the member's documentation is not provided. 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. To qualify, you must have held an eligible public safety position and reached full retirement age when you: For additional details, including what positions meet the IRS definition of a public safety position, see IRS publication 575, Pension and Annuity Income, at www.irs.gov or talk with your tax advisor. 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). The MAPD plans are not permitted to consider the deductible(s) you might have already paid in your other plan. Members who receive a retirement or disability benefit are eligible for TRIP insurance coverage. If you do not complete the online enrollment process or call the MyBenefits Service Center by your enrollment deadline, we will assume you do not want your TRIP TRAIL MAPD health insurance and will terminate your medical and prescription drug coverage. Group insurance benefits under TRIP include medical and prescription drug coverage. please contact Teachers' Retirement System of the State of Illinois at 877-927-5877. At retirement, we will send information to members who qualify for the plan. If you want to maintain your current TRAIL coverage, you dont have to do anything. 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. Even if youve been happy with it in the past, is it still serving you? Note: When thinking about coverage, you should always consider the needs of your spouse and/or dependent children in the event that you should predecease them. However, we can certainly speculate and make educated guesses. 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). 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. 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? Any Required and supporting documentation you may have, may be uploaded online, or faxed (toll-free) 844-676-1725. Plan G, for example, requires you to pay the Medicare Part B deductible, which is $198 in 2020. To be eligible for coverage under theTotal Retiree Advantage Illinois MAPD plan,you and your eligible dependents must: 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). When you live in a larger city, there are more doctors and hospitals, and the network is less of a hurdle. IMPORTANT:You must contact the MyBenefits Service Center (toll-free) 844-251-1777 if you want to add a dependent not enrolled in Medicare Parts A and B. 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. To request a change in your life insurance coverage, members must go online atMyBenefits.illinois.govand follow the instructions. TRAIL MAPD is a retiree healthcare program sponsored by the Teachers' Retirement Insurance Program (TRIP). Can I enroll my spouse at the time that I enroll myself? When we understand this history, it makes sense that the Illinois government would be looking for ways to save money. HMO Policy. Id encourage you to really take a look at what youre paying for. None of us can say with absolute certainty why TRS decided to change its Medicare program to only offer Medicare Advantage plans. Starting in 2007, the Medicare Part B premium is higher for retirees whose income exceeds certain limits. Perhaps what we all took for granted was freedom of choice. Welcome to your Medicare plan A suite of benefits just for State of Illinois retirees. You also have some coverage (at a higher cost to you) if you want to see a provider who is not in the network. TRS pays on the first of the month for the prior month. 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. The 2022 Benefit Choice Period for insurance changes during the fiscal year that begins on July 1, 2022 wasMay 1 through May 31, 2022. You may re-enroll in medical/prescription drug coverage if you previously canceled coverage. Be retired and enrolled in Medicare Parts A and B, due to age or disability. 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 Aetna MAPD PPO Plan is available throughout Illinois and nationwide. Further information about MyBenefits Service Center is available athttps://www.illinois.gov/cms/benefits/Teachers/Pages/TRIPContactInformation.aspx. If, however, you wish to make the payments yourself, you will be responsible for making arrangements with your local coordinator to ensure that you meet your towns monthly payment dates. 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. $117.27. You will gain access immediately after setting up the account and logging in. At retirement, we will send information to members who qualify for the plan. If you add a non-Medicare dependent, you will be ineligible to enroll in a TRAIL MAPD plan. 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. By 2010, Illinois had the worst credit rating out of any state in our country. 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. All of the TRAIL benefit information published here is publicly available via Illinois.gov. Only upload a document pertaining to you. 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. This report will be available in late November and you will be notified via email when it is ready for viewing. You can only be in one Medicare Advantage or Medicare Part D (prescription drug) plan at a time. This guide linked below will show you how to enroll through the MyBenefits website atMyBenefits.illinois.gov. A government defined benefit plan is a traditional pension. We prefer the simplicity and depth-of-coverage Medicare Supplements offer seniors. 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. 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? Thank you for choosing Aetna for your Medicare 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. They can reached at 1-855-223-4807 (TTY: 711), Monday-Friday, 8 AM-8 PM CT. 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. TRIP stands for Teachers' Retirement Insurance Program. The TRAIL Medicare Advantage Prescription Drug (MAPD) Open Enrollment Period for the 2022 plan year runs October 15 - November 15, 2021. It requires contributions from each active member and public employer to a commingled trust fund. %%EOF Life insurance coverage options depend on when you retired and whether you are an immediate annuitant, deferred annuitant, or survivor. We suspect the TRIP program got rid of its top-notch coverage and found significant cost savings by switching to a private Medicare Advantage program. Remaining in your current TRIP health plan is not an option. For members who are newly eligible for Medicare,you will havetwo opportunities for enrollment: Initial Enrollment (IE): which isoffered to all Medicare-eligible retirees and their Medicare-eligibledependents within 60-days of the 65th birthday (of the youngest enrollee). Your dependent beneficiary would be $391.07. A Medicare Advantage plan is a Medicare-approved plan that incorporates your Part A, B, and D into one health plan. I felt very comfortable asking any questions, her answers were thorough, and well explained. 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. In 2014, the program changed to only offer a few Medicare Advantage plans. Learn more about becoming a teacher. Disclaimer: We are not part of or affiliated with the TRS. With a Plan G, youd have freedom of choice. 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. TRAIL Medicare Advantage Prescription Drug (MAPD) Medical Contributions TRAIL MAPD Plan Monthly Contributions Effective January 1, 2022 the local municipalitys program, you should make arrangements with your local insurance coordinator to continue coverage through your group insurance program. 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. The percentage of the premium that you pay as a retiree may remain the same or even go down. Let's get started! Springfield, Illinois 62702. 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. Each fall, CMS sendsout information about the TRAIL Program. Original Medicare is Fee-For-Service, and your supplement fits right alongside that. 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. Members need to take their original Medicare cards instead of the MAPD cards to have the booster shot administered. They had a Medicare Supplement. Patty Gogerty has been with Sams/Hockaday &Associates for over 30 years. Part B, however, has monthly premiums. Illinois hasnt had a balanced budget since 2001. In other words, retirees will pay lower monthly contributions for coverage. 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 <. Please turn on JavaScript and try again. Active and inactive members are not eligible. You dont need any pre-approvals with a Medicare Supplement. The TRAIL MAPD health plan is offered by Aetna. G Starting January 1, 2023, many of these retirees will have a new Aetna Medicare Advantage plan with prescription drug coverage. Plan administrators can work with UnitedHealthcare to choose a plan for teachers and staff. Health Alliance Medicare HMO Rx 40 Drug Coverage. Each plan participant has a maximum dental benefit of $2,000. Note: If you cancel your TRIP TRAIL MAPD coverage, medical and prescription drug coverage for you and your enrolled dependents will end. 2022 TRAIL Map . 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. Your report contains important information about your earnings, years of service, sick leave, optional service credit and designated beneficiaries. 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 more complete benefit information regarding TRAIL and the health plan benefits with your new Aetna MAPD PPO plan, please review your: The Tier status of an employee impacts retirement eligibility: You May Like: Things To Do When You Retire Book. This page will electronically transmit a document to TRS. 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. They also have better coverage for hospitalizations and skilled nursing facility stays.. If youve seen how health care costs are rising in this country, its normal to feel a sense of worry when you consider how the cost could affect you and your family. Recommended Reading: Using Home Equity In Retirement. The Health Alliance HMO available through TRAIL, A Medicare Supplement Plan G (quoting 65-year-old rates). 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. Illinois Retired Teachers Association (IRTA) knows Retired Educators like you. 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 prefer to mail or fax the form to TRS: Sign out of the TRS Secure Document Upload Center. Pat Quinn took out more debt to make the 2010 and 2011 budgets balance (IllinoisPolicy.org). There is a charge for Medicare Part B. For 2016 the open enrollment period is October 15- November 16, 2015. Tier II members are public educators that started employment in a position covered by an Illinois public pension plan on or after January 1, 2011. Initial enrollment is a one-time offering. Does Medicare Cover Cremation and Other End-of-Life Expenses? For instance, your December retirement benefit will be received on Jan. 1. Some services have limits to how often they can be obtained. 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 Youll receive this newsletter three times a year via email or mail. Please reach out to us here at Sams/Hockaday. All vision benefits are covered once every 24 months from the last date the benefit was used. You may terminate the TRAIL MAPD coverage at any time by contacting the plan administrator in writing. Current covered employee contributions are 9% of creditable earnings salary. The system was established in 1939 and is the largest public retirement system in the state. Combining school districts knowledge of what is important to their teachers with UnitedHealthcares experience helps to make informed decisions and create tailored plans. 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. Springfield, Illinois 62702. Many dont realize that Medicare Advantage plans are managed care plans. We know of many teachers who spend their own money on classroom supplies and decorations because they arent given enough to make it happen. With a Medicare Advantage plan, you have copays and coinsurance, meaning every time you need medical care, you will be paying money out of your own pocket. The standard base premium in 2019 is $135.50/month. Illinois credit rating was downgraded 13 times from 2009 through 2014. 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. We're here to help you get the most from your plan. The other scenario is if youre covered through the VA. One of our clients is eligible for 100% coverage through the VA. 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. Insurance includes health, dental and prescription coverage. Laura Pecina served us very well. The State of Illinois offers members of the Teachers' Retirement Insurance Program (TRIP) a healthcare program called Total Retiree Advantage Illinois (TRAIL). Retirement benefits are determined by a formula in state law that includes age, final average salary at retirement, and total creditable service time. Aetna was. In 2014, the program changed to only offer a few Medicare Advantage plans. 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. By having the MTRB deduct your insurance payment, your insurance will be automatically paid on a monthly basis. endstream endobj startxref Medicare pays for the COVID-19 booster shot. In 2008 and 2009, Illinois faced spikes in pension contributions, and Gov. In Illinois, teachers are a part of the Teacher's Retirement System of Illinois (TRS). Due to your Medicare-eligibility, you cannot keep your current State of Illinois health plan. 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. Mt. This program provides Medicare-eligible members and their covered dependents comprehensive medical and prescription drug coverage through TRAIL Medicare Advantage Prescription Drug (commonly referred to as "MAPD") plans. Some programs offer additional benefits of vision, dental and life insurance coverage. Moving? The Teachers Retirement System (TRS) sent out a letter at that time with language like great news and new options.. Aetna PPO will be the only insurance carrier offered under the plans effective Jan. 1, 2023. Here's How to Update Your Address with Medicare. You can find the 2019 plan summaries here. Your initial enrollment period for Medicare begins three months before your 65th birthday month. 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. Dental Plans That Fit Your Budget: Tier 2 does allow for a permanently reduced annuity between the ages of 62-67 with 10 years of service. 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. However, the Medicare Advantage plans offered through TRAIL do have a unique benefit structure with a lower out-of-pocket maximum than other MA plans offered. The 140 days/700 hours limit is in effect through June 30, 2022. Enrollment in the TRAIL MAPD plan provides you with Medicare Advantage coverage as well as Medicare Part D coverage. It ends 3 months after your 65th birthday month. Lets look at some of the basics youll want to know. 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). What services are available for the Defined Benefit 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.. Since Aetna MAPD PPO is a type of Medicare, you must continue to pay your federal Medicare Parts A and B premiums in order to enroll and remain enrolled in TRAIL MAPD. If I do not enroll my spouse now, can I enroll him or her at some point in the future? Contact schools offering teacher education/certification programs in Illinois. You can select your benefits through the State of Illinois MyBenefits website. 2022 TRIP TRAIL Plan Administrators. Your feedback is very important to us. To join any Medicare Advantage plan, including the TRAIL plans, Medicare beneficiaries must first enroll in both Medicare Parts A and B. Illinois Department ofCentral Management Services. Your options with TRAIL are going to be Medicare Advantage plans that have prescription drug coverage built-in.. Most people pay nothing for Part A. You must provide proof of Medicare ineligibility from the SSA. 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 take a rare, very expensive medication, wed encourage you to stay on TRAILs Medicare Advantage plan. Total Retiree No need to enroll, unless you have a change, or wish to opt-out of the plan. 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