Group Hospital & Home Care Recovery Insurance

CSEA-Sponsored Group Hospital & Home Care Recovery Insurance is available to both active and retiree members. It helps cover the cost of potential hospital stays and post-recovery needs, and acts as a supplement to any other health insurance you may have.

Plan Details:

For a minimal monthly payment, you will be covered with:

  • Up to $1,000 per hospital stay
  • Up to $4,000 per year for home care recovery*

Typically less expensive than nursing home stays, in-home care can offer more personalized service and help reduce recovery time.

*To keep your rates affordable, the annual home recovery benefit maximum is reduced to $2,000 per year at age 80.

Acceptance is guaranteed for eligible members and their spouses/domestic partners under age 75. There are no medical exams or health questions.

Current Rates

Age Monthly Annually
Under 70 $25 $300
70-74 $35 $420
75-84* $50 $600
85+* $60 $720

Rates may be changed by New York Life Insurance Company on any premium due date and any date on which benefits are changed. However, your rates may change only if they are changed for an entire class of insureds.

This rate is based on your age at issue and will increase when you enter a new age band. There is no termination age. Coverage will remain in effect as long as you continue to pay premiums and remain otherwise eligible.

*For renewal only.