Eligibility
Members who receive a retirement or disability benefit are eligible for TRIP insurance coverage. Members who receive a retirement benefit must have at least 8 years of service credit. Active and inactive members are not eligible. Benefit recipients who enroll in the Teachers’ Retirement Insurance Program (TRIP) receive health, prescription and behavioral health coverage. Dependent beneficiaries can be enrolled in the program at an additional cost and will have the same health plan as the benefit recipient. The monthly premium is based on the type of coverage selected and the permanent residence on file with TRS. Further information about MyBenefits Service Center is available at https://www.illinois.gov/cms/benefits/Teachers/Pages/TRIPContactInformation.aspx.
2025 Benefit Choice Period
The 2025 Benefit Choice Period for insurance changes during the fiscal year that begins on July 1, 2025 is May 1 through June 2, 2025. The period allows benefit recipients to change health plans and/or add eligible dependent coverage.
TRIP Out-of-State Accessibility
Visit this page for state and county accessibility information.
State of Illinois Employment?
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. At retirement, we will send information to members who qualify for the plan.
Teachers' Retirement Insurance Program Rates
Effective July 1, 2024
| Type of Plan | Not Medicare Primary Under Age 26 |
Not Medicare Primary Age 26-64 |
Not Medicare Primary Age 65 & Above |
Medicare Primary* All Ages |
|
| Benefit Recipient | Managed Care Plan (OAP & HMO) | $111.77 | $347.20 | $473.05 | $137.21 |
| Teachers' Choice Health Plan (TCHP) | $290.08 | $810.30 | $1,231.35 | $325.35 | |
| TCHP when a managed care plan is unavailable in your county | $145.04 | $405.14 | $615.69 | $162.69 | |
| Dependent Beneficiary | Managed Care Plan (OAP & HMO) | $447.26 | $1,388.78 | $1,892.15 | $472.75** |
| Teachers Choice Health Plan (TCHP) | $580.18 | $1,620.58 | $2,462.71 | $650.71 | |
| TCHP when a managed care plan is unavailable in your county | $580.18 | $1,620.58 | $2,462.71 | $488.04** | |
* 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. If you or your dependent is actively working and eligible for Medicare, or you have additional questions about this requirement, contact the CMS Group Insurance Division, Medicare Coordination of Benefits (COB) Unit.
** Medicare Primary Dependent Beneficiaries enrolled in a managed care plan, or in TCHP when no managed care plan is available, receive a premium subsidy.