Health Plan benefits are designed to help you pay for everyday medical costs as well as expenses resulting from a serious or lengthy illness or injury. The Plan does not cover all treatment even if it is medically necessary and approved by your doctor. It pays toward covered physician charges in and out of the hospital, surgical expenses, and laboratory and radiology charges among many other medical expenses. The Plan reserves the right to request that you or your dependent undergo an independent medical exam should the Plan deem it necessary to do so.

Several important terms, such as Allowed Amount, Deductible and Co-insurance, are used in this section. Please refer to the Glossary on

In this Section:

• Using the Plan's Managed Care Networks
• Hospital and Major Medical Lifetime Maximum
• Hospital Benefits
• Major Medical Benefits
• Prescription Drug Benefits
• Mental Health and Chemical Dependency Benefits
• Dental Benefits
• Vision Benefits
• Life Insurance Benefits
• Accidental Death and Dismemberment (AD&D) Benefits
• General Exclusions