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back to Railroaders Retirement Information

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Insurance

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• Remember, carefully read the materials provided which describe the:
  
  
  • types of coverage
  • what is covered
  • what is not covered
  • percentage of coverage
    (typically 80 percent of the allowed amount)
  
  
• This will help prevent surprises in the future.
• For instance, preventive care such as flu shots and annual physicals are NOT COVERED.
  
  

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Supplemental Insurance and COBRA

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• Supplemental Insurance covers a portion (typically 70 percent) of the remaining Covered Medical Bills (typically 20 percent).
  
  
• COBRA is available and can cover Dental and Vision.
• If purchased it covers up to eighteen (18) months after which it is no longer available.
  
  
• Remember, the vision coverage provides for one eye exam every year.
  Vision insurance only provides for one pair of glasses every twenty-four (24) months.
  Since vision coverage is only available for eighteen (18) months you need to carefully consider the value of this coverage.
  
  
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If you know of any errors or omissions to this or other pages of this site,
please forward in an email so this site can be updated.
Thank you!

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