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Total Retiree Advantage Illinois (TRAIL) Health Insurance


Retired members are eligible for the Total Retiree Advantage Illinois (TRAIL) Program if they are enrolled in Medicare Parts A & B. Benefit recipients and all dependent beneficiaries who are eligible for Medicare Parts A & B must enroll in the TRAIL Medicare Advantage Program. This program provides Medicare-eligible members and their covered dependents comprehensive medical and prescription drug coverage through TRAIL Medicare Advantage Prescription Drug (commonly referred to as "MAPD") plans.

2022 TRAIL Plan Year Information 

Please visit the Total Retiree Advantage Illinois (TRAIL) Program page for the latest TRAIL news at:

TRAIL MAPD Monthly Contributions

Effective January 1, 2022

  Humana Employer
Medicare HMO
Aetna Medicare
Plan HMO
Health Alliance
Member Rate $36.31 $35.46 $43.42 $38.17
Dependent Rate $108.93 $106.38 $130.25 $114.50

COVID-19 Booster Shot - Bring Medicare Card

Members need to take their original Medicare cards instead of the MAPD cards to have the booster shot administered. Medicare pays for the COVID-19 booster shot. 

Who must enroll in TRAIL during the Open Enrollment Period?

The TRAIL Medicare Advantage Open Enrollment Period for the 2022 plan year is October 15 - November 15, 2021.  

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, 2021.

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

TRAIL logo

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 2022. 

What if I turn 65 during 2021 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: