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Health Insurance (TRAIL)

2021 TRAIL Plan Year Information 

Please visit the Total Retiree Advantage Illinois (TRAIL) Program page on the Central Management Services website for the latest TRAIL news at:

TRAIL MAPD Monthly Contributions

Effective January 1, 2021

  Humana Employer
Medicare HMO
Aetna Medicare
Plan HMO
Health Alliance
Member Rate $36.94 $38.75 $46.55 $42.48
Dependent Rate $110.79 $116.22 $139.65 $127.45

Who must enroll in TRAIL during the Open Enrollment Period?

The TRAIL Medicare Advantage Open Enrollment Period for the 2021 plan year will be October 15 - November 16, 2020.  

Most TRIP members who are eligible for Medicare Parts A and B must enroll in one of the TRAIL Medicare Advantage plans offered in his/her county of residence in order to keep TRIP insurance coverage after December 31, 2020.

In the fall, CMS will send out information about the TRAIL Program. All official TRAIL documents and forms carry the state’s TRAIL logo (shown below).

TRAIL Logo 2019






What if I’m already enrolled in a TRAIL insurance plan?

You have two options:

  • If you want to make a change to your TRAIL insurance coverage or add a dependent, the fall Open Enrollment Period is the time when you can make that change. 
  • If you want to maintain your current TRAIL coverage, you don’t have to do anything. Your insurance coverage will automatically continue as it is in 2021. 

What if I turn 65 during 2020 and I’m NOT eligible for Medicare?

You must provide proof of Medicare ineligibility from the SSA. You may enroll in TRIP coverage, but your premium will be based on the Age 65 Not Medicare Primary rate. You are not eligible to enroll in a TRAIL plan.

Is a TRAIL Medicare Advantage plan still Medicare?

Yes. This type of Medicare Advantage plan, also known as an MAPD plan, is a Medicare-approved plan that combines the different parts of Medicare - Part A, Part B and Part D – into one plan. Since Medicare Advantage plans are a type of Medicare, you must continue to pay your federal Medicare premiums in order to remain enrolled in TRAIL.

I’m a TRS member, but my insurance is through the State of Illinois Group Insurance Program, not TRIP. Are there differences between the two programs?

Yes. If you are enrolled in the State of Illinois Group Insurance Program, here is a link to more information about the Medicare Advantage options available under that Program:

Link to the Total Retiree Advantage Illinois (TRAIL) Program