You can rest assured—our health insurance plans are well-established and evolve to meet member needs. RTOERO group insurance plans are owned and managed by our members and administered by Johnson Inc., our partner for more than 30 years.

Group insurance plans

Health Care

Extended health care plan

  • $3,400 prescription drugs – 85% reimbursed
  • $400 vision care every 2 years – 80% reimbursed + $150/2 years for eye exams
  • $1,300 paramedicals – doctor referral not required
  • Comprehensive 93-day/trip travel insurance
  • Access to Best Doctors Expert Medical Services and Venngo MemberPerks discounts
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Dental Plan

Dental plan

  • Unlimited routine dental care – 85% reimbursed
  • $850 endodontics & periodontics (root canals, etc.) – 80% reimbursed
  • $800 crowns, posts, inlays – 50% reimbursed
  • $800 fixed bridges, partial dentures – 50% reimbursed
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Hospital Plan

Hospital and convalescent care plan

  • Unlimited semi-private hospital – 95% reimbursed
  • Convalescent/home care $75/day – 80% reimbursed
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Supplemental Travel

Supplemental travel

  • For members with the Extended Health Care Plan
  • Extends travel coverage past 93 days
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Individual insurance plans

Car & Home Insurance

Home and car insurance

RTOERO members save up to 40% on home and car insurance, plus receive exclusive benefits after age 50. It’s easy to get a no-obligation quote.

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Life Insurance

Life insurance

RTOERO members between 50 and 85 get guaranteed acceptance for universal life insurance regardless of health. Members between 45 and 70 can receive term coverage of up to $150,000 by answering five simple medical questions.

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Life Accidental Death

Accidental death & dismemberment

Receive financial protection in the event of a serious accident. Guaranteed acceptance for members and their spouses under age 85.

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Your RTOERO membership is free until you retire. Join us today so we can help you prepare for retirement.