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2019 Rates

Previous Year Rates: FY2018  Rates  FY2017 Rates

TRAIL Medicare Advantage Prescription Drug (MAPD) Medical Contributions

TRAIL MAPD Plan Monthly Contributions Effective January 1, 2019

Retirees and annuitants who have over 20 years of service, as well as survivors whose annuity is based on the death of an employee who had 20 years or more of creditable service, receive their healthcare coverage premium-free through the State.  This premium-free coverage includes medical, prescription and EyeMed vision coverage.  All members are required to pay a premium for dental and dependent coverage. 

Retirees, annuitants and survivors with less than 20 years of service are required to pay 5% of the cost of coverage for every year of service they have less than 20 years.*  See chart below:


TRAIL MAPD Plan Monthly Contributions for Retirees, Annuitants and Survivors with Less than 20 Years of Service.

Years of Service
Member's Responsibility:
Percentage of Cost​
HMO Plans
(Humana HMO, Coventry Advantra (An Aetna Company) and Health Alliance MAPD HMOs)​
United Healthcare PPO Plan​
$183.48 $225.67
$174.30 $217.23​
$165.13 $205.80​
$155.95 $194.37​
$146.78 $182.93​
$137.61 $171.50​
$128.43 $160.06​
$119.26 $148.63​
$64.21 $80.03​
$0.00​ $0.00​

*The 5% rates in the chart above do not apply to the following members: U of I federal retirees, SURS retirees who elected a lower pension in exchange for free insurance, retirees, annuitants and survivors of vested retired judges and general assembly members, SURS and SERS members who retired prior to 1/1/1998, TRS members who retired prior to 7/1/1999, and vested regional superintendents who retired under TRS on or after 7/1/1998.

Dependant Health Plan Contributions

The monthly dependent contribution is in addition to the member health plan contribution, if applicable. Dependents will be enrolled in the same plan as the member.

Monthly Health Contributions for Dependant Coverage

Coventry Advantra (An Aetna Company), Health Alliance MAPD or Humana HMOs
​​United Healthcare PPO
​One Dependant
Two or More Dependants​ One Dependant​ Two or More Dependants​
$126.00​ $110.00​ $155.00​

Life Insurance Contributions

Life insurance coverage options depend on when you retired and whether you are an immediate annuitant, deferred annuitant or survivor.  If you are uncertain of your retirement benefits, contact your retirement system. To request a change in your life insurance coverage, members must go online at and follow the instructions.  Medical underwriting will be required to add or increase Member Optional Life and to add Spouse Life coverage.  A Statement of Health application is available by contacting Minnesota Life at 888-202-5525, or by downloading the form at

​Optional Term Life Plan Monthly Contributions
Child Life Monthly Contributions​
Member's Age
Monthly Contribution Per $1,000 of Coverage​
Coverage​ Monthly Contribution​
​Under 30
$0.02 Child Life $10,000 Coverage​ $0.70​
$0.06 ​Spouse Life Monthly Contributions
$0.08 Coverage​ Monthly Contribution​
$0.16​ Spouse Life $10,000 Coverage
(Annuitant under age 60)​
Spouse Life $5,000 Coverage
(Annuitant age 60 or older)​
​70 and above
$2.02 AD&D Monthly Contribution​

Monthly Contribution Per $1,000 of Coverage​
​Accidental Death & Dismemberment

EyeMed Vision Coverage

Vision coverage through EyeMed is provided at no additional cost to members enrolled in any of the TRAIL MAPD plans.  All members and enrolled dependents have the same vision coverage regardless of the health plan selected.  Eye exams are covered once every 12 months from the last date the exam benefit was used.  The benefit for replacement lenses is also once every plan year from the last date used.  Standard frames are available once every 24 months from the last date used.  A $25 copayment is required for eye exams, spectacle lenses and standard frames.

EyeMed Vision Coverage

Network Provider Benefit​ Out-of-Network** Provider Benefit​ Benefit Frequency​
​Eye Exam
$25 copayment​
$30 allowance​ Once every 12 months​
​Spectacle Lenses
(single, bifocal and trifocal)
$25 copayment​ $50 allowance for single vision lenses
$80 allowance for bifocal and trifocal lenses​
Once every 12 months​
​Standard Frames
$25 copayment
(up to $175 retail frame cost; member responsible for balance over $175)​
$70 allowance​ Once every 24 months​
​Contact Lenses
(All contact lenses are in lieu of spectacle lenses)
$120 allowance​ $120 allowance​ Once every 12 months​

* Spectacle Lenses:  Plan participant pays any and all optional lens enhancement charges.  Network providers may offer additional discounts on lens enhancements and multiple pair purchases.

** Out-of-network claims must be filed within one year from the date of service.

Delta Dental Coverage and Contributions

All members and enrolled dependents have the same dental benefits available through Delta Dental regardless of the health plan selected.  During the TRAIL MAPD Open Enrollment Period, members have the option to add or drop dental coverage.  The election to add or drop dental coverage will remain in effect the entire plan year, without exception.

The annual plan year deductible for dental coverage for the FY2018 plan year ( July 1, 2017 - June 30, 2018) is $175 per participant per plan year.  Once the annual deductible has been met, each member is subject to a maximum annual dental benefit.  Each member has a maximum dental benefit of $2,500 (including orthodontia) when services are rendered by an in-network provider; however; participants who use an out-of-network provider are limited to a maximum benefit of $2,000 (including orthodontia).

Delta Dental Plan Monthly Contributions

Monthly Contribution​
​Member Only
​Member Plus 1 Dependent
​Member Plus 2 or More Dependents
​Use your Delta Dental card for dental services.​