This page may have documents that can’t be read by screen reader software. For help with these documents, please call the number on the back of your member ID card.
Trying to figure out which health plan is best for you and your family can be overwhelming.
To help make your decision easier, we've highlighted plan features to show you what each plan covers and what you can expect to pay for medical expenses.
The TRS-ActiveCare Primary and TRS-ActiveCare Primary+ plans are physician-directed plans with a statewide network.*
This means you choose a Primary Care Provider (PCP) who will manage and coordinate your health care with other providers. Your PCP will refer you to specialists when needed.
Ask your PCP how they handle specialist referrals. Some may use online messaging portals, some may or may not require a visit before a referral.
*Exceptions are available for covered members who live or attend school outside of Texas.
The TRS ActiveCare HD plan is a high deductible plan with lower monthly premiums than the other plans. You pay the plan's discounted allowed amount for medical expenses until you meet your deductible. After that, you pay only coinsurance, and the plan pays the rest.
The deductible is the yearly amount you pay for covered health care services before your plan starts to pay. All health plans pay for certain preventive benefits and medications before you meet your deductible.
Every covered family member has a deductible and maximum out-of-pocket amount. The family all together also has a deductible and maximum out-of-pocket amount.
With all TRS-ActiveCare plans, individuals need to only meet their own deductible before the plan begins to pay coinsurance.
To see more enrollment information all in one place, including the Annual Enrollment Guide, Annual Enrollment Video, wellness benefits, where to go for care and more, review the Enrollment Toolkit.