Medical Expense Protection (MEP)
When you join the ASTTU, you enjoy access to a wide range of benefits, including voluntary income protection benefits designed to support and safeguard your financial well-being.
Guaranteed approved for all eligible, actively working, full dues-paying Members with no medical tests, no medical questions, and no underwriting.
(You have a 30-day enrollment window to enroll in coverages after joining the ASTTU.)
Critical Illness Coverage
Guaranteed approved for all eligible, actively working, full dues-paying Members with no medical tests, no medical questions, and no underwriting.
Pays Member a lump sum benefit if diagnosed with a covered critical illness.
Pre-existing conditions are covered on Day 1 if it is a new occurrence of the illness.
Member, spouse, and dependent(s) can all be covered.
$50 Health Screening Benefit included for each covered person.
MEMBER / SPOUSE |
MONTHLY COSTS |
|||||||||||||||||
COVERAGE |
AGE <29 |
AGE 30-39 |
AGE 40-49 |
AGE 50-59 |
AGE 60-69 |
AGE 70+ |
||||||||||||
$5,000 |
$4.30 | $4.95 | $7.00 | $11.75 | $20.90 | $32.90 | ||||||||||||
$10,000 |
$5.60 | $6.90 | $11.00 | $20.50 | $38.80 | $62.80 | ||||||||||||
$15,000 |
$6.90 | $8.85 | $15.00 | $29.25 | $56.70 | $92.70 | ||||||||||||
$20,000 |
$8.20 | $10.80 | $19.00 | $38.00 | $74.60 | $122.60 | ||||||||||||
*Member / Spouse coverage available up to $20,000 in $5,000 increments. Spouse coverage is not to exceed 100% of Member coverage. Spouse costs are based on the Member’s age.
DEPENDENT(S) |
MONTHLY COSTS |
|||||||||||||||||
COVERAGE |
UNDER 26 YEARS OLD |
|||||||||||||||||
$2,500 |
$4.37 | |||||||||||||||||
$5,000 |
$5.75 | |||||||||||||||||
$7,500 |
$7.12 | |||||||||||||||||
$10,000 |
$8.49 | |||||||||||||||||
*Dependent coverage available up to $10,000 in $2,500 increments. Coverage cannot exceed 50% of Member coverage.
Examples of critical illnesses include:
Heart Attack
Stroke
Coronary Artery Disease
Invasive Cancer
Non-Invasive Cancer
Skin Cancer
Major Organ Failure
Severe Burns
End-stage Kidney Failure
Type 1 Diabetes
Multiple Sclerosis
Paralysis
Coma
ALS
Heart Attack
Stroke
Coronary Artery Disease
Invasive Cancer
Non-Invasive Cancer
Skin Cancer
Major Organ Failure
Severe Burns
End-stage Kidney Failure
Type 1 Diabetes
Multiple Sclerosis
Paralysis
Coma
ALS
Benefit provisions may vary by state.
Accident Coverage
Guaranteed approved for all eligible, actively working, full dues-paying Members with no medical tests, no medical questions, and no underwriting.
Pays a lump sum benefit for covered injuries and medical services due to an accident.
No pre-existing conditions limitations.
$50 Health Screening Benefit included for each covered person.
24-hour coverage, on- and off-the-job.
Member, spouse, and dependent(s) can all be covered.
No limit on the number of claims that can be filed.
COVERAGE |
MONTHLY COST |
|||||||||||||||||
Member |
$14.16 |
|||||||||||||||||
Member Plus Spouse |
$16.95 | |||||||||||||||||
Member Plus Dependent |
$19.28 | |||||||||||||||||
Member Plus Family |
$24.39 | |||||||||||||||||
Examples of procedures and conditions that may be covered after an accident include:
Blood
Burns
Coma
Dislocations
Eye Injury
Fractures
Lacerations
Plasma, Platelets
Ruptured Disc Surgery
Blood
Burns
Coma
Dislocations
Eye Injury
Fractures
Lacerations
Plasma, Platelets
Ruptured Disc Surgery
Also may cover services such as:
Ambulance
ER Visits
Hospital Admission
Hospital Confinement
Major Diagnostic Testing
Medical Devices
Physical Therapy
Surgery
X-rays
Ambulance
ER Visits
Hospital Admission
Hospital Confinement
Major Diagnostic Testing
Medical Devices
Physical Therapy
Surgery
X-rays
How does accident insurance work?
Amount payable was generated based on benefit amounts for: Closed-Fracture of the Hip ($5,000), Ambulance to Hospital ($400), Emergency Room Care ($200), X-Ray ($50), Medical Devices (crutches) ($100), and Physical Therapy ($200).
The above graphic is for illustration purposes only.
Benefit provisions may vary by state.
MEDICAL EXPENSE PROTECTION
This ASTTU program is administered by Union One and issued by New York Life.
Participation in this program is voluntary and at the Member’s discretion, with all associated costs being the responsibility of the Member. Monthly coverage costs are based on your age at the start of coverage and will adjust on the policy anniversary date when you move into a new age bracket.
This is a basic summary of benefits and makes no guarantee or warranty of the processing of claims. Other limitations may apply. Members should thoroughly review the complete policy booklet, which can be requested by emailing enroll@asttu.org.
Members enrolled in any income protection or medical expense protection benefit must maintain their ASTTU Membership and pay dues to retain coverage.
If you leave your union or retire, you must notify ASTTU at (314) 282-8289 within 90 days to avoid delays or loss of eligibility for a refund.
This voluntary benefit plan is classified as a Safe Harbor plan and, as such, is not subject to the Employee Retirement Income Security Act of 1974 (ERISA). The ASTTU does not contribute to the premiums for this plan on behalf of its Members, does not endorse the plan, and does not require Members to enroll in the plan. Furthermore, the ASTTU receives no financial or other consideration in connection with the administration or promotion of this program.
For Critical Illness & Accident: These policies do NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services. A $3 technology fee is included in the monthly costs for Critical Illness and Accident Coverage.
Group Insurance coverages are issued by New York Life Insurance Company, New York, NY. All Rights Reserved. NEW YORK LIFE, and the NEW YORK LIFE Box Logo are trademarks of New York Life Insurance Company.
