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State Insurance Program - The Trail 


Retiree Health Insurance Premiums Class Action Lawsuit Information

In connection with pending lawsuits in which the court has certified a class of plaintiffs, CMS will by February 9, 2015 mail to all University of Illinois Cooperative Extension Retirees, any State Retiree currently being billed by CMS, and State Retirees who have returned to an active employment status who are participating in the program of health insurance benefits under the State Employees Group Insurance Act of 1971 a special notice advising them of their right (1) to opt-out of the class (in which event they will not receive any refund of the disputed premiums withheld from their annuities as part of the case, and are not guaranteed to receive any refund of those premiums); (2) for persons who do not opt-out, to object to the class attorneys' request for fees to be deducted from all refunds paid as part of the case; or (3) to do neither of these things and remain a member of the class entitled to a need refund of premiums as part of the case without submitting any objection to the class attorneys' fee request.  The notice may also be found here.

Beginning with the 2015 plan year (which starts January 1, 2015), all Illinois counties will have an HMO and PPO option. Annuitants and survivors residing outside Illinois may elect the PPO option available nationwide. Refer to this year's TRAIL Decision Guide for more information. 


  • A website has been created which contains information regarding the Kanerva Health Insurance Refund class action, including case filings, notices, important dates and more.  Additionally, the website includes information on who to contact with any questions or to obtain additional information relating to the Kanerva case. 02/03/15
  • Beginning with the October benefit month, the premium that a Medicare-eligible retiree, annuitant or survivor pays for the Medicare Advantage with Prescription Drug (MAPD) plan will change from 2% of their annuity to 0% of their annuity.  Individuals with less than 20 years of service are responsible for an additional amount which is calculated based upon the cost of the selected coverage.  10/05/14

  • Beginning the week of July 7, 2014, the State of Illinois began sending out a letter to all plan participants who are enrolled in the TRAIL program (the TRAIL program consists of State-sponsored Medicare Advantage with Prescription Drug plans: UnitedHealthcare, Humana, and Coventry Advantra).  This letter is informational only, and as such, there is no action required.  It explains what could happen if a State of Illinois plan participant enrolls in another Medicare plan.  Enrollment into another Medicare plan means enrollment into a different Medicare Advantage Plan or a different Medicare Part D plan.  The federal government will not allow someone to be in more than one Medicare Advantage Plan or Medicare Part D plan at a time; therefore, any subsequent enrollment into one of these types of plans will cause your enrollment in the State-sponsored Medicare Advantage Plan to be terminated.  07/16/14

  • In January 2011, the Affordable Care Act established an income related monthly adjustment amount (IRMAA) under the Part D program (prescription portion of Medicare) which is known as Part D-IRMAA.  02/21/14

Archived Notices

Updated 10/05/2014