TRS-Care Standard provides health coverage for retirees without Medicare. Blue Cross and Blue Shield of Texas administers the plan’s medical benefits and Express Scripts administers the prescription drug benefits.
The plan year is from Jan. 1 to Dec. 31. Deductibles and maximum out-of-pocket amounts reset each year on Jan. 1.
And don’t forget that you’ve paid into TRS-Care your entire career – you earned this benefit!
Benefits At a Glance
- Freedom to choose any doctor in BCBSTX’s broad, nationwide network without a referral
- No cost for in-network preventive care such as cancer screenings, immunizations, and annual wellness checkups
- Access to Personal Health Guides, 24 hours a day, seven days a week
- No cost for certain preventive generic prescription drugs
- Prescription mail order services and specialty drug coverage through Express Scripts
- Telehealth visits through Teladoc and RediMD
- Benefits such as the 24/7 Nurseline, discounted fitness memberships, one-on-one wellness coaching, and mental health resources
TRS-Care Standard Guide
Get the most out of your health plan by understanding your benefits and how this TRS plan works.
How the Plan Works
- You pay the full cost of your medical and prescription costs until you or your family meet the deductible.
- Once you meet your deductible, the plan pays 80% coinsurance for your eligible in-network expenses and you pay 20%.
- A person’s expenses won’t exceed the individual maximum out-of-pocket, even if they’re on a family plan.
- Out-of-pocket expenses for the entire family won’t exceed the family limit.
For full plan details, visit 2025 TRS-Care Plan Highlights (pdf). To check if you’re eligible, visit Eligibility and Enrollment.
To find your preferred providers and see all wellness benefits and programs, visit TRS-Care Standard by BCBSTX (medical benefits). For prescription coverage information, visit TRS-Care Standard by Express Scripts (prescription benefits).
TRS-Care 2025 Plan Highlights
Helpful Resources
- 2024 TRS-Care Standard Guide (pdf)
- Summary of Benefits
- BCBSTX Provider Finder
- Covered Preventive Services
- Vaccine Coverage
- No-Cost Generic Drug List
- TRS-Care COBRA Premiums