If you’re a retired Caterpillar Union Worker (since 2005), you’ve gotten a letter in the mail about your health insurance changing. It can be confusing, and your options might be a little fuzzy. We’ve read the fine print and want to help you make the best financial decision you can.

Living out a happy, successful life can have a lot to do with your location in the world. So, how do you choose where you want to be? If you’re like a lot of other retirees, you have plans to move South, or most notably, somewhere in Florida. But, what if moving later in life isn’t as simple as the weather?

The Caterpillar Company Retiree Benefit Program is a good program, but it’s not the only option for non-union CAT retirees. Let’s look at how the plan works in relation to Medicare, and some ways retirees can save money while getting the same exact coverage.