Catastrophe Major Medical

Catastrophe Major Medical  

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 convalescent or custodial care facility or need home health care.

Once the deductible is satisfied, this plan provides benefits for eligible expenses not fully covered.

Coverage includes but is not limited to:

  • Supplemental insurance for items that are not 100% covered by your basic major medical, prescription drug or hospitalization insurance, including Medicare
  • Limited nursing/convalescent home benefits up to $72 per day - $80,000 lifetime maximum benefit
  • Home health care benefits up to 25 hours per week - 6,000 hour lifetime maximum benefit
  • Critical illness benefit providing a one-time lump sum payment upon a critical illness diagnosis 

Click here to read about recent group health plan compliance regulations and the CMM Plan’s position on their applicability to the Plan.

  • HOW CAN I ENROLL IN THE CMM PLAN?

    The trustees of the NYSUT Member Benefits CMM Insurance Trust are pleased to announce a limited time OPEN ENROLLMENT PERIOD from September 8, 2023 to October 13, 2023 with the coverage effective date of January 1, 2024.

     

    Eligible NYSUT Members and their eligible family members may want to take advantage of this limited time offer. In addition, current CMM Plan participants may want to consider adding eligible family members that are not currently enrolled in the CMM Plan.

     

    Please refer to the CMM Plan Highlights for an overview of the Plan.

    Current CMM Plan participants: Simply download the Enrollment Form to add eligible family members to your existing CMM Plan coverage.

    New enrollees: Simply click on Enroll Now to begin your online enrollment.

 

 

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Premium Payment Options

You may select from the following convenient payment options:

  • 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 lifetime annuity payment from TIAA, you should consider taking advantage of this easy, convenient payment method. By doing so, you will save 10 percent on your premiums.
  • Pre-authorized check draft: Premiums will automatically be deducted from your checking account on a monthly, semiannual, or annual basis.
  • Pre-authorized credit card payments: Premiums will automatically be deducted from your credit card on a monthly, semiannual, or annual basis.
  • Direct bill: You will receive a billing invoice on a semiannual or annual basis.

 

How Do I File A Claim?

If your benefit period effective date is December 31, 2017, or before, please contact AMBA regarding claims processing. This applies to individuals who are submitting claims under the $15,000 or $25,000 deductible CMM plans. Please refer to the following details for claims under this plan:

Open Enrollment Period:

September 8, 2023 - October 13, 2023
Coverage Effective Date: January 1, 2024


Please refer to the CMM Plan Highlights for an overview of the Plan.

Current CMM Plan participants:
Simply download the Enrollment Form to add eligible family members to your existing CMM Plan coverage.

New enrollees:
Simply click on ENROLL NOW to begin your online enrollment.

 

 

 

 

Contact Us

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

 Address
CUSTOMER SERVICE
AMBA
PO BOX 14522
DES MOINES, IA 50306
 Phone
1-888-386-9788
 Hours
9 a.m. to 9 p.m. Eastern, Monday-Friday
 Email
[email protected]
AMBA’s Role & Compensation