Health Summary Plan Description

II. Health Plan Benefits

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 has limitations and may 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 evaluation should the Plan deem it necessary to do so.

Several important terms, such as Plan's Allowance, Deductible, Coinsurance and Network Level of Benefits are used in this section. Please refer to the Glossary of Terms on pages 107 through 109 to better understand these terms.

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