The State of Illinois offers annuitants and survivors of the Teachers' Retirement Insurance Program (TRIP) a healthcare program called Total Retiree Advantage Illinois (TRAIL). This program provides eligible members and their covered dependents comprehensive medical and prescription drug coverage through Medicare Advantage plans (commonly referred to as “MAPD” plans).
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.
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 the Part D-IRMAA. 02/21/14