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TRIP Health Coverage
The health insurance plans available to TRIP members differ in the benefit levels they provide, the doctors and hospitals you can access and the out-of-pocket cost to you. In general, managed care plans, such as health maintenance organizations (HMOs) and open access plans (OAP), deliver healthcare through a system of network providers and have a lower monthly premium than the Teachers' Choice Health Plan (TCHP). Members will find a listing of providers who participate in the health plan's network when they go to the provider directory page on the plan's website.
There are several managed care plans located throughout the state available to TRIP members. In addition to managed care, TRIP offers the FY24 Teachers Choice Health Plan (TCHP) (effective July 1, 2023) administered by Aetna, which allows plan participants to access any provider nationwide. Enhanced benefits are available for TCHP members who receive services from a TCHP network provider.
Health Plan Availability
New this plan year, effective July 1, 2021, members now have the option of choosing from three OAP plans. We are pleased to announce that these Open Access Plans (OAP) will now be offered by Aetna, HealthLink and BlueCross BlueShield of Illinois.
HealthLink Service Area Outside of Illinois
HealthLink members will continue to have network access in Missouri, Arkansas, Indiana, Kentucky, Ohio and Wisconsin. Network access outside of Illinois and the states listed here will be limited to emergency services.
Behavioral Health
For those enrolled in the Teachers' Choice Health Plan (TCHP) your behavioral health provider network and claims will now be administered by Aetna. Please be sure to review the Aetna provider directory to ensure your provider is in-network, or contact Aetna to discuss transition of care.
Benefit recipients may view a map of the various plans’ coverage areas below:
The Affordable Care Act rules require health plans to provide a summary of benefits and coverage and a glossary of health coverage and medical terms designed to make it easier for you to compare your options and understand exactly what you are buying. The new requirements will also make it easier for employers to compare health insurance options to provide for their employees. Members can view the summary of benefits and coverage for each plan.