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Teachers Retirement System

FAQs: 2018 TRS-Care Changes

Standard  |   Medicare Advantage  |   Health Savings Account  |   Leaving TRS-Care

Common Questions

What changes are coming to TRS-Care?
How do I know which plan I will have on Jan. 1, 2018?
Will TRS enroll me in my new plan on Jan. 1, 2018, or do I need to take action?
How will my TRS-Care prescription drug coverage be affected?
Why are TRS-Care benefits and premiums changing in 2018?
How will my spouse’s and dependents’ coverage be affected by the new plan?
I am a disabled retiree. What will my premiums be?
How can I prepare for these changes and make the most of my benefits?
The TRS Pension Fund seems to be doing well. Why can’t TRS use those funds to help solve this health care funding crisis?
Does TRS profit from these changes?
How are my premium rates determined for the new plan year?


When does my deductible and out-of-pocket maximum start over?
Will I still pay a copay?
Will doctor visits apply to the deductible?
What do I need to know about using out-of-network providers?

Medicare Advantage

Once I am enrolled in the TRS-Care Medicare Advantage plan, will I still need Medicare coverage?
Will I be able to enroll in TRS-Care Medicare Advantage if I’m not eligible for premium-free Medicare Part A (hospitalization)?
Where can I find a list of doctors who accept TRS-Care Medicare Advantage before the Jan. 1, 2018 change?

Health savings account

​For TRS-Care Standard participants beginning Jan. 1, 2018

What is an HSA?
Can I use an HSA with my TRS-Care benefits?
How can I set up my HSA and when can I start using it?
How does an HSA work?
What are the advantages of opening an HSA account?
How much can I contribute to my HSA throughout the year?
Will I lose my savings if do not spend it all by the end of the plan year?

Leaving TRS-Care

When can I enroll in TRS-Care? If I leave, can I come back?
I’m eligible for Medicare and considering enrolling in coverage in the individual market with a lower premium than TRS-Care Medicare Advantage. What else do I need to know to make a decision for 2018?
What do I need to do if my spouse or I don’t want TRS-Care Medicare Advantage coverage in 2018? Do I need a letter from TRS stating that my coverage is ending?
What steps must I take in order to drop my TRS-Care coverage?