TRS Plans

TRS Plan Information

Plans administered by BCBSTX (medical) & EXPRESS SCRIPTS (pharmacy)

TRS-ActiveCare Primary

  • Lowest cost plan.
  • Statewide provider network with in-network benefits. No out-of-network benefits.
  • Will be able to apply for out-of-state coverage for dependent college students.
  • A Primary Care Physician (PCP) is required. Each covered person must choose a PCP. Certain specialists such as a gynecologist or pediatrician can be chosen as PCP. Claims may be denied if a covered person does not use their PCP. Must obtain a PCP referral for specialty care.
  • Copays for doctor visits and generic prescriptions before deductible.
  • After deductible, insurance pays 70% of covered charges and participant pays 30% co-insurance.
  • Includes zero cost generic preventive medications.
  • Includes telemedicine through Teledoc and RediMed for $0 co-pay per visit.
  • $50 co-pay for urgent care.

TRS-ActiveCare HD

  • Premiums are higher than the Primary plan.
  • Nationwide network with in-network and out-of-network benefits.
  • No requirement for PCP or referrals.
  • No copays. Participant must meet medical and pharmacy deductible before plan pays.
  • New individual deductible for coverage tiers that include spouse and/or children.
  • After deductible, insurance pays 70% of covered charges and participant pays 30% co-insurance.
  • Includes zero cost generic preventive medications.
  • Includes telemedicine through Teledoc and RediMed for $30 co-pay per visit.
  • Compatible with Health Savings Accounts (HSA’s).

TRS-ActiveCare Primary+ (PrimaryPlus)

  • Premiums are higher than the HD plan.
  • Statewide provider network with in-network benefits. No out-of-network benefits.
  • Can apply for out-of-state coverage for dependent college students.
  • A Primary Care Physician (PCP) is required. Each covered person must choose a PCP. Certain specialists such as a gynecologist or pediatrician can be chosen as PCP. Claims may be denied if a covered person does not use their PCP. Must obtain a PCP referral for specialty care.
  • Copays for doctor visits and generic prescriptions before deductible.
  • After deductible, insurance pays 80% of covered charges and participant pays 20% co-insurance.
  • Lowest deductibles and out-of-pocket maximums of all BCBSTX plan options.
  • Includes telemedicine through Teledoc and RediMed for $0 co-pay.
  • $50 copay for urgent care.

TRS-ActiveCare 2 – plan is closed to new participants

  • Highest cost plan.
  • Nationwide network with in-network and out-of-network benefits.
  • No requirement for PCP or referrals.
  • No copays. Participant must meet medical and pharmacy deductible before plan pays.
  • After deductible, insurance pays 80% of covered charges and participant pays 20% co-insurance.
  • Includes telemedicine through Teledoc and RediMed for $0 co-pay.

TRS Plan Resources

Visit the following websites for:

  • Plan Comparisons and Plan Details
  • Doctor & Hospital Searches
  • Tools & Resources

2024-25 TRS Highlights

Keene ISD 24-25 Medical Rates 12 pay

Blue Cross Blue Shield Website for TRS-ActiveCare

ID Cards

BCBSTX (medical)

EXPRESS SCRIPTS (pharmacy)

Stay Connected

Download the BCBSTX App

Use the app to find providers, access coverage information, and view your member ID card. Text BCBSTXAPP to 33633.

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