Railroad Medicare therapy, from the comfort of home.

Yes. Railroad Medicare follows the same Part B benefits as regular Medicare, which covers outpatient mental health care, including therapy delivered by video or phone. Total Life provides this telehealth therapy and bills Railroad Medicare directly. Most members are covered up to 100% when Railroad Medicare is combined with a supplemental plan.

Yes. Total Life is an enrolled provider and bills Railroad Medicare directly for covered behavioral health services. You receive therapy from home by phone or video, and we handle the billing with Railroad Medicare for you.

Look for a provider that is enrolled with Railroad Medicare and works with older adults. Total Life is a telehealth practice built for older adults that accepts Railroad Medicare, matches you with a licensed therapist who understands aging, and delivers sessions from home. Confirm that any provider you consider both accepts Railroad Medicare and is experienced with seniors before booking.

Yes. Telehealth coverage for mental health is permanent under Medicare, and Railroad Medicare follows the same rules. That means you can see a licensed therapist by phone or video from home, which removes the travel and mobility barriers that often keep older adults from getting care.

Railroad Medicare Part B covers outpatient mental health care, which includes individual therapy with licensed clinicians such as LCSWs, psychologists, and psychiatric providers, as well as psychiatric evaluation and medication management. Services must be medically necessary and provided by a Medicare-enrolled provider. Total Life provides these services by telehealth for older adults.

Under Railroad Medicare Part B you are generally responsible for a portion of the cost after the deductible. Most members who have a supplemental plan in addition to Railroad Medicare are covered up to 100%, meaning little or no out-of-pocket cost. Total Life checks your coverage before your first session so you know what to expect.

For mental health benefits there is no difference in what is covered. Railroad Medicare provides the same Part B benefits as regular Medicare; it is simply administered by a separate carrier for railroad retirees and their families. Therapy and psychiatry are covered the same way, and Total Life bills Railroad Medicare directly.