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Catastrophe Major Medical

The Catastrophe Major Medical Plan, which is sponsored by the NYSUT Member Benefits Catastrophe Major Medical (CMM) Insurance Trust, has been in place for decades. The Plan has been closed to new participants since July 2011 -- until now!

The Trustees of the NYSUT Member Benefits CMM Insurance Trust are pleased to announce a limited time OPEN ENROLLMENT PERIOD.

Open Enrollment Period: May 1, 2017 – June 15, 2017

Coverage Effective Date: January 1, 2018

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.

What is the CMM Plan?
The CMM Plan 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 medical expenses -- especially if you are enrolled in a high-deductible health plan, 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 that your basic plan may not fully cover. Coverage includes but is not limited to:

  • Supplemental medical insurance coverage designed to help pick up 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


How Do I Enroll or Add My Dependents?


To obtain the open enrollment materials:

1. Visit http://www.nysutmbteinsurance.com/InsurancePlans/CatastropheMajorMedical.aspx or

2. Call Mercer Consumer, the CMM Plan's Administrator, toll-free at 888-38-NYSUT (888-386-9788), weekdays from 9 a.m. to 9 p.m. or Saturdays & Sundays from 9 a.m. to 6 p.m. (EST)




Attention Current CMM Plan 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, you can download the 2018 CMM Plan Highlights and the 2018 Summary of Benefits and Coverage (SBC) by visiting http://www.nysutmbteinsurance.com/InsurancePlans/CatastropheMajorMedical.aspx or contacting Mercer Consumer at 888-386-9788.


Further Information
With regard to how your medical information may be used and disclosed, as well as how you can access this information, please refer to the NYSUT Member Benefits Catastrophe Major Medical Insurance Trust’s Notice of Privacy Practices. If you would like a copy of this notice mailed to you free of charge, contact Member Benefits at 800-626-8101, weekdays from 9 a.m. to 5 p.m. (EST).

To view the current CMM Plan's Summary of Benefits & Coverage, visit the Mercer Consumer website and click on Forms and then Summary of Benefits and Coverage (SBC) - 2017. The SBC is also available free of charge by contacting Mercer Consumer, the Plan’s Administrator.