Frequently Asked Questions (FAQs)

You may have questions about your plan. No worries. You came to the right place for answers. We gathered the questions that our Aetna Retiree Advocates hear most often.

If your question isn't answered here, call 1-800-367-3636, Monday through Friday, 8 a.m. to 5 p.m. CST, to talk with an Aetna Retiree Advocate. If you're hearing impaired, dial 711.

Here are the most frequently asked questions. We organized them, by plan, for your convenience.

Click on the question to expand and collapse the answer.

Non-Medicare eligible plan participants
Aetna Medicare Advantage plan participants
Standard TRS-Care Medicare eligible plan participants

Non-Medicare eligible plan participants
Q: What is precertification?
Q: Who is responsible for getting precertification?
Q: Is it better for me to use a doctor in the Aetna network?
Q: Does my TRS-Care insurance cover me if I travel outside of the United States?
Q: What is a deductible and does it work?
Q: Why do I need to waive coverage on my spouse, who already has other medical insurance?
Q: I have coverage under my spouse's insurance. Why does my Non-Medicare, TRS-Care plan have to be primary?
Q: What about possible fraud?

View the Non-Medicare Plan >

Aetna Medicare Advantage plan participants
Q: What is a Medicare Advantage Plan?
Q: What is a deductible and does it work?
Q: Why do I need to waive coverage on my spouse, who already has other medical insurance?
Q: Does health care reform really cut Medicare benefits to senior citizens?
Q: What is Access2Care SM?
Q: Is everyone eligible for the Aetna Medicare Advantage plan?
Q: What if I have other health insurance coverage?
Q: My primary plan is original Medicare. My secondary plan is TRS COBRA. Since I have COBRA, am I eligible for the Aetna Medicare Advantage plan?
Q: Can I choose the Medicare Advantage Plan if my husband chooses the TRS Standard plan even though he also has Medicare?
Q: If I am on TRS-Care 1, can I upgrade to the Medicare Advantage plan?
Q: How will my doctor or hospital verify I have medical coverage if I don't have an ID card?
Q: What about possible fraud?

View the Medicare Advantage Plan >

Standard TRS-Care Medicare eligible plan participants
Q: What is a deductible and does it work?
Q: Why do I need to waive coverage on my spouse, who already has other medical insurance?
Q: I pay for my TRS-Care plan. Why should I also purchase Medicare Part B?
Q: Does my TRS-Care insurance cover me if I travel outside of the United States?
Q: I have coverage under my spouse's insurance. Why does my Standard TRS-Care plan coverage have to be primary?
Q: How many days do I have to add a dependent, like a spouse, a child, or grandchild?
Q: I am not eligible for Medicare Part A. How does that affect my TRS-Care coverage?
Q: Will I have an office visit copay when I become eligible for Medicare Part B?
Q: What about possible fraud?

View the Standard TRS-Care Plan >