TRS-Care 2025 Plan Resources

2025 TRS-Care Standard Plan Year Welcome Letters

• ​​Under 65 and formerly eligible for (but not enrolled in) TRS-Care? Read the 2025 Plan Year Welcome Letter for TRS members Eligible for but Not Enrolled in TRS-Care Standard

• Enrolled in TRS-Care Standard? Read the 2025 Plan Year Welcome Letter for TRS-Care Standard Enrollees

  2025 TRS-Care Standard Guide

  2025 TRS-Care Standard FAQs​

  TRS-Care Standard Information Session for 2025 Benefits

• Recording - TRS-Care Standard Information Session for 2025 Benefits
• Slide deck - TRS-Care Standard Information Session for 2025 Benefits​​

2025 TRS-Care Medicare Advantage ​Plan Year Welcome Letters​ 

• Age 65+ and not enrolled in TRS-Care? Read the 2025 Plan Year Welcome Letter for TRS members Eligible for but Not Enrolled in TRS-Care
• Enrolled in TRS-Care Medicare Advantage? Read the 2025 Plan Year Welcome Letter for TRS-Care Medicare Advantage​ Enrollees​
• Enrolled in TRS-Care Standard and Turning 65 soon? Read the 2025 Plan Year Welcome Letter for TRS-Care Standard Enrollees Eligible for Medicare Soon​

• Not enrolled in TRS-Care and Turning 65 soon? Read the 2025 Plan Year Welcome Letter for TRS members Not Enrolled in TRS-Care and Eligible for Medicare Soon​

  2025 TRS-Care Medicare Advantage​ Guide

  2025 TRS-Care Medicare Advantage FAQs​ 

  TRS-Care Medicare Advantage​ Information Session for 2025 Benefits

• Video recording — Recording of TRS-Care Medicare Advantage Information Session for 2025 Benefits​
• ​Slide Deck of TRS-Care Medicare Advantage Information Session for 2025 Benefits​

If you’re a retiree or surviving spouse who isn’t 65 yet, and you either dropped TRS-Care or didn’t enroll during your initial enrollment opportunity, you can enroll in the program when you turn 65. You may also add dependents at that time. Prior to your 65th birthday, TRS will send retirees a postcard with instructions on how to enroll. You must submit your application for coverage no later than 31 days from the end of the month in which you turned 65 to re-enter TRS-Care.

TRS does not always have information about surviving spouses in its records. Surviving spouses are responsible for requesting and submitting their application for coverage no later than 31 days from the end of the month in which they turned 65.

Please note: This enrollment opportunity is not available to dependent spouses or children when they turn 65.

You will be enrolled in both the TRS-Care Medicare Advantage medical plan and the TRS-Care Medicare Rx plan so long as you are enrolled in Medicare Part B. Your dependents will be enrolled in the appropriate plan based on their own Medicare status.

If they’re eligible for Medicare, they’ll also be enrolled in the TRS-Care Medicare Advantage medical plan and the TRS-Care Medicare Rx plan. If they’re not eligible for Medicare, they’ll be enrolled in the TRS-Care Standard plan, which features a combined medical and prescription deductible. They will stay enrolled in the TRS-Care Standard plan until they become eligible for Medicare.

You must maintain Medicare coverage, including Medicare Part B coverage, to participate in the TRS-Care Medicare Advantage plan. You risk losing all TRS-Care coverage if you do not have Medicare Part B coverage.

If you have a special enrollment event, you can re-enter, but these are rare.

• The first area is when there is the addition of a new dependent through:
  • Marriage
  • Birth
  • adoption, or
  • being placed for adoption.
• The second area is when there is an involuntary loss of comprehensive coverage. Comprehensive coverage may include Medicare supplements (e.g., Medigap) and individual Medicare Advantage plans.  Examples include:
  • Divorce or legal separation results in you losing coverage under your spouse's health insurance;
  • A dependent is no longer considered a "covered" dependent under a parent's plan;
  • Your spouse's death leaves you without coverage under his or her plan;
  • Your employment ends along with coverage under your employer’s health plan, or your spouse’s employment ends along with your coverage under your spouse’s employer’s health plan;
  • Your employer reduces your work hours to the point where you are no longer covered by the health plan;
  • Your plan decides it will no longer offer coverage to a certain group of individuals (for example, those who work part time);
  • An individual loses coverage under a State Children’s Health Insurance Program (CHIP) or Medicaid, or becomes eligible to receive premium assistance under those programs for group health plan coverage;

  • An individual involuntarily loses coverage under a Medicare supplement plan (e.g., Medigap) or an individual Medicare Advantage plan; and

    You no longer live or work in an HMO’s service area.

    However, an increase in premiums or a change in benefits for coverage that you purchased outside of TRS-Care is not considered a loss of coverage that allows you to re-enter TRS-Care.

Please note: The vast majority of participants who are past age 65 do not experience another enrollment opportunity. You can find current requirements related to special enrollment events in the TRS-Care Benefits Booklets (pdf).