Previous Year Rates: 2020 Rates 2019 Rates  2018  Rates

TRAIL MAPD Plan Monthly Contributions Effective January 1, 2021

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:

*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.

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.

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 MyBenefits.illinois.gov 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 MyBenefits.illinois.gov.

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. All vision benefits are covered once every 24 months from the last date the benefit was used. A $10 copayment is required for eye exams, spectacle lenses and standard frames. Use your EyeMed card for all routine vision care.

All members and enrolled dependents have the same dental benefits available through Delta Dental regardless of the health plan selected.

The annual plan year deductible for dental coverage for the 2021 plan year (January 1, through December 31, 2021) is $100 per participant per plan year. Once the annual deductible has been met, each plan participant is subject to a maximum annual dental benefit. Each plan participant has a maximum dental benefit of $2,000. Use your Delta Dental card for dental services.