An optional program that can be added to the Basic and Enhanced Plans or purchased separately.
(Read/Print FAQ)
(Read/Print Fact Sheet)
The Catastrophic Major Medical Insurance Plan is designed for AFT members and their families to help avoid the financial hardships that accompany major non-job related injuries and sicknesses.
This plan acts as an umbrella which complements your basic health insurance by paying expenses not covered by your primary coverage.
You choose a deductible of either $25,000 or $50,000. The deductible is satisfied from all medical bills incurred (expenses that are paid by your primary insurance, plus any out-of-pocket expenses – e.g. out-of-network charges, deductibles or co-payments) within a 36-month period. After the deductible is satisfied, this plan will begin to pay up to 100% of all eligible reasonable and customary expenses for hospital, medical, surgical or convalescent care, to a maximum of $2,000,000 in benefits, for up to five years, from the date the first expense used to satisfy the deductible is incurred.
With Catastrophic Major Medical Insurance:
- Coverage is available for the member, his or her lawful spouse/partner and dependent children
- No medical exam is typically required*
- Eligible expenses in and out of the hospital are covered
- Home health-care, convalescent home care and hospice care is covered
- Medically necessary private duty nursing is covered
- Prescription drugs are covered
- Coverage does not terminate because of age
There are many important reasons for you to have this Catastrophic Major Medical Insurance, but they all lead to the same end: This plan will help protect your family and assets.
For Plan details including costs, exclusions, limitations and terms of coverage, call 1-800-221-8740.
* Issuance of Certificate of Insurance or payment of benefits may depend upon the answers given in the application and the truthfulness of those answers. Pre-existing conditions limitations may apply.Program underwritten by:
The United States Life Insurance Company in the City of
A subsidiary of American International Group, Inc. (AIG)
NAIC No. 70106, domiciled in the state of
This summary is a brief description of benefits only and is subject to the terms, conditions, exclusions and limitations of Group Policy No. E-610,278, Form No. G-19000. Coverage may vary or may not be available in all states.
