Don't Miss the Bell
A Limited-Time Opportunity to Enroll in TRS-Care Medicare Advantage
Decreased Premiums for Plan Year 2027
After reducing TRS-Care Medicare Advantage premiums in 2025, TRS has further decreased premiums for plan year 2027, making coverage even more affordable for Medicare-eligible retirees.
These reductions were made possible by:
- A healthy TRS-Care fund balance,
- Recent federal Medicare updates,
- TRS’ ongoing management of the plan.
With these reduced premiums, TRS is offering a limited time opportunity to enroll in TRS-Care Medicare Advantage. We encourage you to review your options before the bell stops ringing. Enrollment begins on Oct. 1, 2026!
Am I Eligible?
Eligible But Did Not Enroll
You were eligible for TRS-Care when you retired but did not enroll at that time.
Previously Ended Coverage
You were previously enrolled in TRS-Care and later ended your coverage.
Surviving Spouse/Dependent
You are a surviving spouse or dependent of a deceased retiree who was eligible for TRS-Care.
You may also add eligible dependents when you enroll, or if you’re already enrolled in TRS-Care Medicare Advantage, during this limited time opportunity. This opportunity opens Oct. 1, 2026 and runs until March 31, 2028.
Before the Bell Stops, Consider the Full Picture
Some Medicare plans advertise low, or even $0, monthly premiums. But healthcare costs don't stop at the premium. When comparing plans, consider what you'll pay when you use your coverage: doctor visits, prescriptions, specialist appointments, hospital stays, and unexpected healthcare needs.
Know What to Expect When You Need Care
One Less Thing to Manage
TRS-Care Medicare Advantage includes prescription drug coverage through TRS-Care Medicare Rx, so you don't need to buy a separate Medicare Part D plan.
Extra Protection
Predictable copays and a low annual maximum out-of-pocket amount helps protect you from higher healthcare costs if you have a serious illness, injury, or unexpected medical event.
Benefits That Go Beyond
TRS-Care Medicare Advantage includes wellness programs, preventive care, transportation for doctor visits, and an over-the-counter allowance to support your well-being.
Don't Let a Low Premium Be the Only Bell You Hear
When deciding between TRS coverage and other plans on the market, compare more than the monthly premium.
Because when it comes to healthcare, the full cost of coverage matters.
TRS designed TRS-Care Medicare Advantage to help retirees manage the total cost of healthcare, not just the cost of being enrolled.
Be Ready When the Bell Rings: Prepare to Enroll
Use this checklist to understand what you need and where to get help. Gathering these items ahead of the Oct. 1, 2026 enrollment window can make the process easier.
Before you apply, make sure you have the following information ready:
Medicare Part B
Confirmation that you are enrolled in Medicare Part B with the Social Security Administration.
MBI Number
Your Medicare Beneficiary Identifier (MBI) number.
Completed Application
A completed TRS-Care Medicare Advantage enrollment application, which you can complete online through the MyTRS Portal or request a physical copy by calling TRS Health at 1-888-237-6762.
For a step-by-step guide on how to enroll, visit How to Enroll in MyTRS.
Learn More Before You Answer the Bell
If you have questions or want to compare your options, these resources can help you make an informed decision:
Call TRS Health at 1-888-237-6762, Monday through Friday, 7a.m. to 6p.m. CT send us a secure message on the MyTRS portal.
Ready to Take the Next Step?
Review the resources, gather your information, and send us a secure message on the MyTRS portal or call TRS Health at 1-888-237-6762 to request an enrollment form before the March 31, 2028 deadline.