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 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 medical insurance coverage 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