Introduction

This plan covers you and your family for a wide range of medical services and supplies including preventive care, physician services, inpatient care, chiropractic care, and prescription drugs. This plan also provides coverage for routine vision, dental and orthodontic care. Time loss benefits and life insurance benefits are also available to help protect you and your family against a temporary loss of income.

While the medical plan was designed to cover the majority of medically necessary expenses, you and each dependent must share the cost of some of these expenses with an annual deductible, various copayment and coinsurance expenses, and expenses which exceed benefit or scheduled maximums.