College Insurance Program


To be eligible to participate in the College Insurance Program (CIP), members:

  • Must be receiving a monthly benefit from SURS, and
  • Must have been a full-time employee eligible for group health benefits while employed at an Illinois community college district.

The College Insurance Program includes health, vision, dental, and prescription insurance.


The Department of Central Management Services (CMS) determines the cost of this insurance. SURS has no information regarding the future costs for CIP insurance.

Value of Benefit

CMS estimates the value of a retiree’s CIP coverage over their lifetime is approximately $130,000 (this assumes retirement at age 65 and one dependent). If you meet eligibility requirements and do not take a lifetime monthly benefit, you will give up the opportunity to participate in this insurance program.

Monthly Contributions

The College Insurance Program (CIP) shares the cost of health coverage with you. While CIP covers the majority of the cost, you must make monthly contributions based upon the health plan you select.

Type of Participant Type of Plan Not Medicare Primary Not Medicare Primary Not Medicare Primary Medicare Primary*
Under Age 26 Age 26-64 Age 65 and Above All Ages
Benefit Recipient Managed Care Plan (OAP and HMO)
College Choice Health Plan
Dependent Beneficiary Managed Care Plan (OAP and HMO)
College Choice Health Plan

* This rate applies to benefit recipients enrolled in Medicare Part A only and whose Part B benefits are reduced. If you, or your dependent is actively working and eligible for Medicare, or you have additional questions about this requirement, contact the CMS Group Insurance Division, Medicare Coordination of Benefits (COB) Unit.

CIP TRAIL MAPD Medical Contributions

Members in the College Insurance Program (CIP) are responsible for a monthly contribution for Total Retiree Advantage (TRAIL) Medicare Advantage Prescription Drug (MAPD) health coverage that includes prescription drug, dental and vision benefits.

CIP TRAIL MAPD Plan Monthly Contributions
Effective January 1, 2022
HMO Plans UnitedHealthcare PPO Plan
Member Rate $46.38 $46.47
Dependent Rate $167.10 $170.17
HMO Plans – Humana Employer Medicare HMO, Aetna Medicare Plan (HMO), and Health Alliance MAPD HMO

Forms & Guides

Other Resources