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, behavioral health, prescription, dental and vision coverage. Dependent beneficiaries can be enrolled in the program at an additional cost. 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 was May 1 through June 2, 2025. The period allowed benefit recipients to change health plans and/or add eligible dependent coverage.
New Dental and Vision Benefits
As of July 1, all TRIP plan participants will have vision and dental benefits at no additional cost. Plan participants will be mailed a plan ID card from EyeMed, the plan administrator for vision benefits, and Delta Dental, the plan administrator for dental benefits.
Watch a Video About Benefit Choice and Health Insurance
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, 2025
| 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) | $121.18 | $370.76 | $503.81 | $149.28 |
| Teachers' Choice Health Plan (TCHP) | $308.40 | $857.02 | $1,300.03 | $346.83 | |
| TCHP when managed care is not available in your county | $156.11 | $431.60 | $653.58 | $176.03 | |
| Dependent Beneficiary | Managed Care Plan (OAP & HMO) | $484.89 | $1,483.01 | $2,015.19 | $517.23 |
| Teachers Choice Health Plan (TCHP) | $624.46 | $1,726.40 | $2,614.28 | $704.09 | |
| TCHP when managed care is not available in your county | $624.46 | $1,726.40 | $2,614.28 | $533.28 | |
* 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.