TRS-Care Medicare Advantage and TRS-Care Medicare Rx are plans for TRS-Care participants who are eligible for Medicare. UnitedHealthcare manages your TRS-Care Medicare Advantage medical benefits, while Express Scripts manages your TRS-Care Medicare Rx prescription drug benefits.
Your plan year is from Jan. 1 to Dec. 31. Deductibles and maximum out-of-pocket amounts reset each Jan. 1.
And don’t forget that you’ve paid into TRS-Care your entire career – you earned this benefit!
Benefits At a Glance
- No Age-Related Premium Increases: Your rate will never change as you age.
- Low Copays: Access the care you need without worrying about high out-of-pocket costs. Our plan offers low copays for doctor visits, prescriptions, and hospitalizations.
- Fixed Copays for Prescription Drugs: Know exactly what you’ll pay for your medications with set copays, making it easier to manage your health care budget.
- Part D Coverage Included: Your monthly premium includes TRS-Care Medicare Rx at no extra charge, ensuring you have the prescription coverage you need.
- Extra Benefits and Preventive Care at No Extra Cost: Stay on top of your health with annual checkups, screenings, and wellness programs. You also have access to services such as trips to the doctor or pharmacy and $40 to buy over-the-counter items. See more information on added benefits.
- Low Maximum Out-of-Pocket Amounts: You pay less overall and your plan protects you from high-cost medical charges.
TRS-Care 2025 Plan Highlights
How the Plan Works
- You pay $400 each year for covered health care services before your health plan starts to pay. Then, you 5% or only a copay after you meet the deductible.
- The maximum amount you pay each plan year for medical costs will never exceed $3,500.
- Your deductible does not apply to these services:
- $5 primary care provider sick visit
- $35 urgent care visit
- $65 emergency room visit
- Your deductible does apply to these services:
- $10 special visit
- $250 outpatient procedure of service
- $500 inpatient hospital stay
For full plan details, visit 2025 TRS-Care Plan Highlights (pdf). To check if you’re eligible, visit Eligibility and Enrollment. To learn about the enrollment process, visit Turning 65.
To find your preferred providers and see all wellness benefits and programs, visit TRS-Care Medicare Advantage by UnitedHealthcare. For prescription coverage information, visit TRS-Care Medicare Rx by Express Scripts.
Compare With Ease
Making a choice about which Medicare plan is right for you is vital for your well-being in this next stage of life. Visit Comparing TRS-Care to Other Medicare Plans for considerations, a questions checklist, a pop-quiz, and a short video.
TRS-Care Medicare Advantage Guide
Get the most out of your health plan by understanding your benefits and how this TRS plan works.
