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Detailed Table of Contents |
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| Index | |
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Introduction
Who Is Eligible
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| For Employees of New Participating Subsidiaries and/or Participating Employers |
Enrolling for Coverage
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Your Rights and Responsibilities
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How the Program Works
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How to File a Claim
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When Coverage Ends
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| If You Leave the Company, Retire, or Are No Longer Eligible for Coverage |
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Special Extensions of Coverage
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| Uniformed Services Employment and Reemployment Rights Act of 1994 |
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Your Legal Right to Continuation Coverage Under COBRA
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Coordinating Benefits With Other Programs
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Claims and Appeals Procedures
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Situations Affecting Your Benefits
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| Right to Reimbursement, Assignment of Rights, and Duty to Notify |
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Administrative and Contact Information
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| Allocation and Delegation of Fiduciary Responsibilities by the Benefits Committee |
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Your ERISA Rights
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How the Program Works
General Information
Coinsurance
Coinsurance is the percentage of covered expenses you and the Program are responsible for paying. Percentages apply after any applicable deductible. The percentage you pay depends on the option you elect and the type of service you receive.
