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Catastrophe Major Insurance

The Catastrophe Major Medical Plan, which is sponsored by the NYSUT Member Benefits Catastrophe Major Medical (CMM) Insurance Trust, is coverage that supplements a basic health plan. Regardless of your age or the type of basic health insurance you have,  you and your family members could still be left with extraordinary out-of-pocket medical expenses. This is especially true if you have a serious medical issue, are confined to a nursing home/convalescent care facility, or need home health care.

Once the deductible is satisfied, this plan provides benefits for eligible expenses that your basic plan may not fully cover. Coverage includes but is not limited to:

  • Supplemental medical insurance coverage designed to help with the expenses not fully covered by your basic major medical, prescription drug or hospitalization insurance - including Medicare
  • Limited nursing/convalescent home benefits up to $500 per week – $80,000 lifetime maximum benefit
  • Home health care benefits up to 25 hours per week – 6,000 hour lifetime maximum benefit

Please note: This coverage is not long-term care or nursing home insurance.

How Can I Enroll in the CMM Plan?

NYSUT members cannot currently enroll in the CMM Plan. However, an open enrollment period may be offered from time to time. The most recent open enrollment period was May 1-June 15, 2017. Please check back at this website for updates.

Current CMM participants have the ability to add dependents through a "life event" process which is outlined in the CMM Plan Document. Newly acquired dependents can be added within 60 days of the "life event." Contact us for details.

Attention current CMM participants - It is important to note that the current CMM Plan will be undergoing significant benefit changes effective January 1, 2018. Detailed information regarding the forthcoming changes to the CMM Plan will be sent to all current CMM participants during the fall of 2017. In the meantime, download the “2018 CMM Plan Highlights” for more information.

Discounted Rates for Payroll or Pension Deduction – If you belong to a local association that has made arrangements for payroll deduction of NYSUT Member Benefits endorsed/sponsored programs or if you are receiving a monthly pension benefit from NYSTRS, NYCTRS, or NYSERS, NYCBERS, or a monthly annuity payment from TIAA-CREF, you should consider taking advantage of this easy, convenient payment method. By doing so, you will save 10 percent on your premiums.

If NYSUT Member Benefits payroll or pension deduction is not available to you, the other payment options are:

  • Individual billing on a semiannual basis.
  • Monthly re-occuring payments deducted from your checking account.
  • Monthly re-occuring payments deducted from your credit card.

How Do I File A Claim?

Refer to The Claim Reference Guide, which provides information about filing claims, and the Claim Form.

We're here to help! Please contact us in whatever manner is most convenient for you.

Program Administrator

Mercer Consumer
PO Box 9186
Des Moines, IA 50306-9186

Phone: 1-888-386-9788

9 a.m. to 9 p.m. Eastern, Monday-Friday and
9 a.m. to 6 p.m. Eastern, Saturday and Sunday


Our Role & Compensation

Details of Mercer disclosure of the compensation.

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