Group Catastrophe Major Medical Insurance Plan

What It Is

Group Catastrophe Major Medical Insurance Plan

The NYSUT Member Benefits Trust-endorsed Group Catastrophe Major Medical (CMM) Insurance Plan is only available for purchase by local associations, their benefit funds and employers. This plan is not available to individual members, who can click here for information on the endorsed voluntary Catastrophe Major Medical Insurance Plan.

The Group CMM Plan supplements basic hospitalization and major medical insurance coverage, including Medicare and long-term care insurance. It is required that the basic medical policy have a lifetime maximum benefit of at least $500,000 per insured. Once the deductible is met, the plan provides up to 100% coverage for the reasonable and customary eligible expenses that exceed a participant’s base coverage. The plan may pay benefits for up to five years from the date the first eligible expense applied to the deductible is incurred (certain benefit categories have specific lifetime limits). 

For information or to obtain a group plan quote, please contact Preferred Group Plans, Inc. -- the plan administrator -- at 800-573-7474 or 518-641-0321.

The NYSUT Member Benefits Trust-endorsed Group Catastrophe Major Medical Insurance Plan is underwritten by The United States Life Insurance Company in the City of New York and administered by Preferred Group Plans, Inc.

The United States Life’s Group Catastrophe Major Medical Plan is a NYSUT Member Benefits Trust (Member Benefits)-endorsed program. Member Benefits has an endorsement arrangement of 4.75% of earned premiums for this program. All such payments to Member Benefits are used solely to defray the costs of administering its various programs and, where appropriate, to enhance them. The Insurer pools the premiums of Member Benefits participants who are insured for the purposes of determining premium rates and accounting. Coverage outside of this plan may have rates and terms that are not the same as those obtainable through Member Benefits. The Insurer or Member Benefits may hold premium reserves that may be used to offset rate increases and/or fund such other expenses related to the plan as determined appropriate by Member Benefits. Member Benefits acts as your advocate; please contact Member Benefits at 800-626-8101 if you experience a problem with any endorsed program.