Who does what
TRS of Georgia does not run retiree health or dental coverage and does not decide eligibility. For retirees approved for the State Health Benefit Plan (SHBP, Department of Community Health), TRS of Georgia deducts the monthly premium from the benefit. Board of Regents retirees: TRS of Georgia doesn't deduct; contact the former employer or BOR. Dental through the State Flexible Benefits Program (GaBreeze) can be deducted if your employer participates. Member's Guide p. 21, State Health Benefit Plan; Board of Regents Health Plan; Dental Coverage
If re-employment makes you eligible for SHBP coverage as an active employee, SHBP may require you to end retiree coverage. Member's Guide p. 22, Working After Retirement
The TRS of Georgia sources don't list SHBP premiums or plans. For those, ask SHBP.
Who to call
- SHBP: 800-610-1863 (404-656-4507 in metro Atlanta)
- Dental through GaBreeze: 877-342-7339
What the guide says
- TRS of Georgia doesn't run retiree health coverage. If you're approved for the State Health Benefit Plan (SHBP), TRS of Georgia takes the premium out of your monthly payment.Member's Guide p. 21, State Health Benefit Plan
- SHBP coverage can cost more in retirement if you didn't have five years of service as of January 1, 2012.trsga.com, Health and Dental Coverage
- Board of Regents retirees: TRS of Georgia doesn't deduct health premiums; contact your former employer or the Board of Regents.Member's Guide p. 21, Board of Regents Health Plan
- SHBP: 800-610-1863 (404-656-4507 in metro Atlanta). Dental through GaBreeze: 877-342-7339.Pre-Retirement Handout p. 6, Other Resources; Member's Guide p. 21, Dental Coverage
- SHBP has confirmed that retirees teaching full time under SB 150 have the same health coverage options as those who worked under the earlier HB 385. SHBP answers those questions: 800-610-1863.SB 150 FAQs, p. 3, Question 6
- Depending on the employer you retired from, you may be able to keep dental insurance in retirement. If you carry it through the Georgia Flexible Benefits program, TRS of Georgia deducts the premium from your benefit.trsga.com, Health and Dental Coverage (retirees; retrieved 2026-11-11)
- TRS of Georgia doesn't decide whether you can join a retiree health or dental plan, what it costs, or how claims are paid. Those questions go to the plan itself.trsga.com, Health and Dental Coverage (retirees; retrieved 2026-11-11); Member's Guide p. 21, State Health Benefit Plan
Questions
Does TRS of Georgia provide retiree health insurance?
No. Retiree health coverage is through the State Health Benefit Plan (SHBP), run by the Department of Community Health. If you're approved, TRS of Georgia takes the premium out of your check.
Who decides if I qualify for SHBP?
SHBP, not TRS of Georgia. Call SHBP at 800-610-1863.
Will SHBP cost more for me?
It can, if you didn't have five years of service as of January 1, 2012.
Source: Teachers Retirement System of Georgia Member's Guide, 06/26, pp. 21, 22; Pre-Retirement Handout p. 6; SB 150 FAQs p. 3; trsga.com pages. Last reviewed .