Short answer: Medicare-eligible TRS-Care retirees are covered by TRS-Care Medicare Advantage, which includes TRS-Care Medicare Rx drug coverage; they must enroll in and keep Part B (and premium-free Part A if available) or lose all TRS-Care coverage for themselves and their dependents.
TRS says no separate Part D plan is needed and the premium does not rise with age. Because TRS-Care Medicare Advantage is a group Medicare Advantage plan, enrolling in an individual Advantage or Part D plan conflicts with it, so check with TRS before changing anything.
Retirees who did not enroll when they retired, who later dropped TRS-Care, or who are surviving spouses or dependents of an eligible retiree have a limited-time opportunity to enroll in TRS-Care Medicare Advantage from October 1, 2026 through March 31, 2028. TRS lowered premiums for plan year 2027.
To enroll: proof of Part B, the Medicare number (MBI) and an application through MyTRS or TRS Health. TRS publishes a checklist of questions retirees should ask an agent quoting an individual plan: age-based premium increases, copays, maximum out-of-pocket, network, and separate Part D cost.