The State of Illinois offers annuitants and survivors under the College Insurance Program (CIP) a healthcare program called Total Retiree Advantage Illinois (TRAIL). This program provides eligible members and their covered dependents comprehensive medical and prescription drug coverage through Medicare Advantage plans (commonly referred to as “MAPD” plans). The CIP program also includes vision coverage through EyeMed, and dental coverage through Delta Dental.
All Illinois counties have an HMO and PPO option. Annuitants and survivors residing outside Illinois may elect the PPO option available nationwide.
This is the first year that the Affordable Care Act requires issuers of insurance and some employers to send Forms 1095-B and 1095-C to members. A list of Frequently Asked Questions has been compiled for those who are anticipating these forms. 02/09/16
In January 2011, the Affordable Care Act established an income related monthly adjustment amount (IRMAA) under the Part D program (prescription portion of Medicare) which is known as the Part D-IRMAA. 02/21/14