Introduction
Eligibility
Health and Welfare Plan Benefits: Medical Plan
    Health and Welfare Plan Benefits: Medical Plan
    What You Should Know Before You Receive Care
    Service Area
    Deductibles, Coinsurance and Co-Pays
    Deductible
    Coinsurance
    Co-Pay
    Out-of-Network Services with Out-of-Pocket Met
    Out-of-Pocket Maximum
    Lifetime Maximum Benefits
    Emergency Admissions
    Utilization Management Requirements
    Pre-Admission Review
    Concurrent Review and Discharge Planning
    Post-Payment Review
    Maternity Admissions
    Second Surgical Opinion
    Home Health Care
    Individual Case Management
    Disease State Management
    How to Appeal a Utilization Management Decision
    Inpatient Mental Health and Substance Abuse Utilization
    Medical Plan Benefit Chart
    Federal Laws That May Affect Your Medical Benefits
    Health Insurance Portability and Accountability Act (HIPAA)
    Newborns’ and Mothers’ Health Protection Act
    Uniformed Services Employment and Reemployment Rights Act of 1994
    Women’s Health and Cancer Rights Act
    Mental Health Parity Act of 1996 (MHPA)
    What the Medical Plan Does Not Cover
Prescription Drug Program
Hearing Plan
Dental Plan
Vision Plan
Continuing Your Coverage (COBRA)
HIPAA Pre-Existing Condition Disclosures
Qualified Medical Child Support Orders (QMCSOs)
Weekly Accident and Sickness Benefits (Loss of Time)
Life Insurance Plan
Accidental Death and Dismemberment Insurance (AD&D) Plan
Medical and Dental Plan Coordination of Benefits
How to File Claims and Appeal Denied Claims
Important Terms
The Plan and Your Privacy
Plan Administrative Information
Your ERISA Rights