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Presbyterian Health Plan http:// www. phs. org
2002

Serving: All counties of New Mexico, except for Otero and southern Eddy County
Enrollment in this Plan is limited. You must live or work in our Geographic service area to enroll. See page 7 for requirements.

Enrollment codes for this Plan:
P21 Self Only P22 Self and Family

This Plan has Commendable accreditation from NCQA. See the 2002 Guide for more
information on accreditation

RI 73-563

For changes in benefits
see page 8.

! !! !
A Health Maintenance Organization 1
1 Page 2 3

2002 Presbyterian Health Plan 2 Table of Contents
Table of Contents
Introduction………………………………………………………………….......................................................................................... 4
Plain Language........................................................................................................................................................................................ 4
Inspector General Advisory .................................................................................................................................................................... 4
Section 1. Facts about this HMO plan ................................................................................................................................................... 6
How we pay providers........................................................................................................................................................... 6
Your Rights........................................................................................................................................................................... 6
Service Area.......................................................................................................................................................................... 7
Section 2. How we change for 2002 ..................................................................................................................................................... 8
Program-wide changes .......................................................................................................................................................... 8
Changes to this Plan.............................................................................................................................................................. 8
Section 3. How you get care ................................................................................................................................................................. 9
Identification cards................................................................................................................................................................ 9
Where you get covered care.................................................................................................................................................. 9
Plan providers..................................................................................................................................................................... 9
Plan facilities...................................................................................................................................................................... 9
What you must do to get covered care .................................................................................................................................. 9
Primary care ................................................................................................................................................................... 9

Specialty care................................................................................................................................................................ 10
Hospital care................................................................................................................................................................. 11
Circumstances beyond our control...................................................................................................................................... 11
Services requiring our prior approval.................................................................................................................................. 11
Section 4. Your costs for covered services .......................................................................................................................................... 12
Copayments .................................................................................................................................................................. 12
Deductible..................................................................................................................................................................... 12
Coinsurance .................................................................................................................................................................. 12
Your out-of-pocket maximum............................................................................................................................................. 12
Section 5. Benefits ............................................................................................................................................................................... 13
Overview............................................................................................................................................................................. 13
(a) Medical services and supplies provided by physicians and other health care professionals ........................ 14
(b) Surgical and anesthesia services provided by physicians and other health care professionals..................... 26
(c) Services provided by a hospital or other facility, and ambulance services .................................................. 31
(d) Emergency services/ accidents...................................................................................................................... 36
(e) Mental health and substance abuse benefits................................................................................................. 39
(f) Prescription drug benefits ............................................................................................................................ 41 2
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2002 Presbyterian Health Plan 3 Table of Contents
(g) Special Features ……………………………………………………………… ...........…………………… 45
Flexible Benefit Options
(h) Dental benefits………………………………………………………………… .......................................... 46
(i) Non-FEHB benefits available to Plan members………………………………………………………….. 47
Section 6. General exclusions --things we don't cover........................................................................................................................ 48
Section 7. Filing a claim for covered services...................................................................................................................................... 49
Section 8. The disputed claims process................................................................................................................................................ 50
Section 9. Coordinating benefits with other coverage ......................................................................................................................... 52
When you have…
Other health coverage.................................................................................................................................................... 52
Original Medicare.......................................................................................................................................................... 52
Medicare managed care plan ........................................................................................................................................ 54
TRICARE/ Workers' Compensation/ Medicaid ................................................................................................................... 55
Other Government agencies ................................................................................................................................................ 55
When others are responsible for injuries............................................................................................................................. 55
Section 10. Definitions of terms we use in this brochure................................................................................................................... 56
Section 11. FEHB facts .................................................................................................................................................................... 57
Coverage information........................................................................................................................................................ 57
No pre-existing condition limitation.......................................................................................................................... 57
Where you get information about enrolling in the FEHB Program........................................................................... 57
Types of coverage available for you and your family ............................................................................................... 57
When benefits and premiums start ............................................................................................................................ 58
Your medical and claims records are confidential .................................................................................................... 58
When you retire........................................................................................................................................................ 58
When you lose benefits ..................................................................................................................................................... 58
When FEHB coverage ends ...................................................................................................................................... 58
Spouse equity coverage............................................................................................................................................ 58
Temporary Continuation of Coverage (TCC) .......................................................................................................... 58
Converting to individual coverage ........................................................................................................................... 59
Getting a Certificate of Group Health Plan Coverage.............................................................................................. 59
Long-term care insurance is coming later in 2002 ................................................................................................................................ 60
Index ......................................................................................................................................................................................... 61

Summary of benefits ............................................................................................................................................................................. 62
Rates ....................................................................................................................................................................................... Back cover 3
3 Page 4 5

2002 Presbyterian Health Plan 4 Introduction/ Plain Language/ Advisory
Introduction
Presbyterian Health Plan 2501 Buena Vista SE
Albuquerque, NM 87106 Or
PO Box 27489 Albuquerque, NM 87125-7489

This brochure describes the benefits of Presbyterian Health Plan under our contract (CS2627) with the Office of Personnel Management (OPM), as authorized by the Federal Employees Health Benefits law. This brochure is the official statement of
benefits. No oral statement can modify or otherwise affect the benefits, limitations, and exclusions of this brochure.
If you are enrolled in this Plan, you are entitled to the benefits described in this brochure. If you are enrolled for Self and Family coverage, each eligible family member is also entitled to these benefits. You do not have a right to benefits that were available
before January 1, 2002, unless those benefits are also shown in this brochure.
OPM negotiates benefits and rates with each plan annually. Benefit changes are effective January 1, 2002, and changes are summarized on page 8. Rates are shown at the end of this brochure.

Plain Language
Teams of Government and health plans' staff worked on all FEHB brochures to make them responsive, accessible, and understandable to the public. For instance,

Except for necessary technical terms, we use common words. For instance, "you" means the enrollee or family member;
"we" means Presbyterian Health Plan.

We limit acronyms to ones you know. FEHB is the Federal Employees Health Benefits Program. OPM is the Office of
Personnel Management. If we use others, we tell you what they mean first.

Our brochure and other FEHB plans' brochures have the same format and similar descriptions to help you compare plans.
If you have comments or suggestions about how to improve the structure of this brochure, let OPM know. Visit OPM's "Rate Us" feedback area at www. opm. gov/ insure or e-mail OPM at fehbwebcomments@ opm. gov. You may also write to OPM at the
Office of Personnel Management, Office of Insurance Planning and Evaluation Division, 1900 E Street, NW, Washington, DC 20415-3650.

Inspector General Advisory
Fraud increases the cost of health care for everyone. If you suspect that a physician, pharmacy, or hospital has charged you for services you did not receive, billed you
twice for the same service, or misrepresented any information, do the following: Call the provider and ask for an explanation. There may be an error.
If the provider does not resolve the matter, call us at 800/ 356-2219 and explain the situation.
If we do not resolve the issue, call or write

Stop health care fraud! 4
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2002 Presbyterian Health Plan 5 Introduction/ Plain Language/ Advisory
THE HEALTH CARE FRAUD HOTLINE 202/ 418-3300
The United States Office of Personnel Management Office of the Inspector General Fraud Hotline
1900 E Street, NW, Room 6400 Washington, DC 20415

Penalties for Fraud Anyone who falsifies a claim to obtain FEHB Program benefits can be prosecuted for fraud. Also, the Inspector General may investigate anyone who uses an ID card
if the person tries to obtain services for someone who is not an eligible family member, or is no longer enrolled in the Plan and tries to obtain benefits. Your
agency may also take administrative action against you. 5
5 Page 6 7

2002 Presbyterian Health Plan 6 Section 1
Section 1. Facts about this HMO plan
This Plan is a health maintenance organization (HMO). We require you to see specific physicians, hospitals, and other providers that contract with us. These Plan providers coordinate your health care services.

HMOs emphasize preventive care such as routine office visits, physical exams, well-baby care, and immunizations, in addition to treatment for illness and injury. Our providers follow generally accepted medical practice when prescribing any course of treatment.
When you receive services from Plan providers, you will not have to submit claim forms or pay bills. You only pay the copayments, coinsurance, and deductibles described in this brochure. When you receive emergency services from non-Plan providers, you may
have to submit claim forms.
You should join an HMO because you prefer the plan's benefits, not because a particular provider is available. You cannot change plans because a provider leaves our Plan. We cannot guarantee that any one physician, hospital, or other provider will
be available and/ or remain under contract with us.
How we pay providers
We contract with individual physicians, medical groups, and hospitals to provide the benefits in this brochure. These Plan providers accept a negotiated payment from us, and you will only be responsible for your copayments or coinsurance. Our Fee schedule is based
on the Resource Base Relative Value Scale (RBRVS). The RBRVS method was designed by physicians to fairly compensate themselves based on (1) a nationally uniform relative value for service (2) geographic adjustment factor and (3) a nationally uniform
conversion factor for service. This method has been adopted by our Federal Centers for Medicare and Medicaid Services for Medicare reimbursement.

The RBRVS pays higher for evaluation and management services and lower for procedures. All physicians receive reimbursement for both evaluation and management services and procedures. The effect upon the individual physician will vary depending upon how
much time they spend in office-based services as compared to procedural-based services. Typically, physicians such as primary care physicians, internists, pediatricians, rheumatologists, and pulmonologists spend more time in office-based services, and physicians
such as surgeons, and cardiologists spend more time in procedure-based services. Although this fee schedule is both provider and health plan based, it results in a high quality health plan for you and your families.

Your Rights
OPM requires that all FEHB Plans provide certain information to their FEHB members. You may get information about us, our networks, providers, and facilities. OPM's FEHB website (www. opm. gov/ insure) lists the specific types of information that we must
make available to you. Some of the required information is listed below.
Presbyterian Health Plan is owned by Presbyterian Healthcare Services, which has been providing quality care for New Mexicans since 1908

Presbyterian Health Plan has 15 years' experience in improving the health of individuals, families and communities
Customer Satisfaction Measures
Networks and Providers
If you want more information about us, call 800/ 356-2219 or write to Presbyterian Health Plan, PO Box 27489 Albuquerque, NM 87125-7489. You may also contact us by fax at 505/ 923-8163 or visit our website at www. phs. org.

Service Area 6
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2002 Presbyterian Health Plan 7 Section 1
To enroll in this Plan, You must live or work in our Service Area. This is where our providers practice. Our service area is all counties of New Mexico, except for Otero County and southern Eddy County.
Ordinarily, you must get your care from providers who contract with us. If you receive care outside our service area, we will pay only for emergency care benefits. We will not pay for any other health care services out of our service area unless the services have prior
plan approval.
If you or a covered family member move outside of our service area, you can enroll in another plan. If your dependents live out of the area (for example, if your child goes to college in another state), you should consider enrolling in a fee-for-service plan or an HMO
that has agreements with affiliates in other areas. Full-Time dependent students attending school outside Presbyterian Health Plan's service area can receive care at a Student Health Center without a referral from their Primary Care Physician. Services provided
outside of the Student Health Center are for medically necessary services for the initial care or treatment of an Emergency or Urgent Care situation. If you or a family member move, you do not have to wait until Open Season to change plans. Contact your employing
or retirement office. 7
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2002 Presbyterian Health Plan 8 Section 2
Section 2. How we change for 2002
Do not rely on these change descriptions; this page is not an official statement of benefits. For that, go to Section 5 Benefits. Also, we edited and clarified language throughout the brochure; any language change not shown here is a clarification that does not change
benefits.
Program-wide changes

We changed speech therapy benefits by removing the requirement that services must be required to restore functional speech. (Section 5( a).

Changes to this Plan
Your share of the non-Postal premium will increase by 11. 2% for Self Only or 11. 2% for Self and Family.
We clarified that there is not an additional copay for a mammogram; the mammogram is included in the office visit copay.
The benefit for all rehabilitative therapies of physical and occupational will decrease up to two months per condition. A $15 per visit copay applies. 8
8 Page 9 10
2002 Presbyterian Health Plan 9 Section 3
Section 3. How you get care
Identification cards
We will send you an identification (ID) card when you enroll. You should carry your ID card with you at all times. You must show it whenever you receive services from a Plan
provider, or fill a prescription at a Plan pharmacy. Until you receive your ID card, use your copy of the Health Benefits Election Form, SF-2809, your health benefits enrollment
confirmation (for annuitants), or your Employee Express confirmation letter.
If you do not receive your ID card within 30 days after the effective date of your enrollment, or if you need replacement cards, call us at 1-800/ 356-2219.

Where you get covered care You get care from "Plan providers" and "Plan facilities." You will only pay copayments and coinsurance, and you will not have to file claims
Plan providers Plan providers are physicians and other health care professionals in our service area that we contract with to provide covered services to our members. We credential Plan
providers according to national standards. We obtain, verify, review and evaluate practitioners' competencies and qualifications on an ongoing basis to determine whether
they can participate as providers in our Plan. Providers we credential include Medical Doctors, Specialists, Physician Assistants, Certified Nurse Practitioners, Licensed Social
Workers, and licensed Professional counselors.
We list Plan providers in the provider directory, which we update periodically. The list is also on our website. The listings are first organized by region within New Mexico –
Central New Mexico, Northern New Mexico, and Southern New Mexico. Each region, physicians, other providers and facilities are organized by Physician directed Teams,
Primary Care Physicians are listed as Family Practice, General Practice, Internal Medicine, Pediatrics and OB/ GYN's acting as PCPs.

Plan facilities Plan facilities are hospitals and other facilities in our service area that we contract with to provide covered services to our members. We list these in the provider directory, which
we update periodically. The list is also on our website. Presbyterian Health Plan's provider directory has a section that lists all participating facilities, hospitals and
pharmacies across the state.
It depends on the type of care you need. First, you and each family member must choose a primary care physician. This decision is important since your primary care physician
provides or arranges for most of your health care. Your must select a primary care physician from the provider directory who is closest to home or work. Locations and
telephone numbers of the participating doctors are listed in the provider directory or can be obtained by calling the member Services Department 505/ 923-5678 or 1-800/ 356-
2219. By selecting a PCP who belongs to the plan, members are selecting their corresponding network of specialists, hospitals and other providers to serve their
healthcare needs. A PCP selection form is in your packet. Select your provider by the 5-digit provider number and mail it in the return envelope.

Primary care Your primary care physician can be a family Practice, General Practice, Internal Medicine, Pediatrics and OB/ GYN acting a Primary Care Physician. Your primary care
physician will provide most of your health care, or give you a referral to see a specialist.
If you want to change primary care physicians or if your primary care physician leaves the Plan, call us. We will help you select a new one.

What you must do to get covered care 9
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2002 Presbyterian Health Plan 10 Section 3
Specialty care Your primary care physician will refer you to a specialist for needed care. When you receive a referral from your primary care physician, you must return to the primary care
physician after the consultation, unless your primary care physician authorized a certain number of visits without additional referrals. The primary care physician must provide or
authorize all follow-up care. Do not go to the specialist for return visits unless your primary care physician gives you a referral. However, you may see a woman's healthcare
provider who has been credentialed by Presbyterian Health Plan to provide female-related care without a referral. Treatment for Infertility, Reproductive Endocrinology, and/ or
Gynecological Oncology may require pre-authorization. You do not need a referral from your PCP or Specialist for an evaluation from behavioral health services; however, you
must call 505/ 923-5470 (Albuquerque area or 1-800/ 453-4347 (Outside Albuquerque) to access services.

Except in a medical emergency, or when a primary care doctor has designated another doctor to see his or her patients, or for gynecological or maternity care, you must receive
a referral from your primary care doctor before seeing any other doctor or obtaining specialty services. Referral to a participating specialist is given at the primary care
doctor's discretion, if non-Plan specialist or consultants are required, the primary care doctor will make arrangements for appropriate referrals. All follow-up care must be
provide or arranged by the primary care doctor.
Here are other things you should know about specialty care:
If you need to see a specialist frequently because of a chronic, complex, or serious medical condition, your primary care physician will issue a referral that will include
the expiration date of the referral and the number of visits. If the consultant suggests additional services or visits, you must first check with your primary care doctor to
develop a treatment plan that allows you to see your specialist for a certain number of visits without additional referrals. Your primary care physician will use our criteria
when creating your treatment plan (the physician may have to get an authorization or approval beforehand).

If you are seeing a specialist when you enroll in our Plan, talk to your primary care physician. Your primary care physician will decide what treatment you need. If he or
she decides to refer you to a specialist, ask if you can see your current specialist. If your current specialist does not participate with us, you must receive treatment from a
specialist who does. Generally, we will not pay for you to see a specialist who does not participate with our Plan.

If you are seeing a specialist and your specialist leaves the Plan, call your primary care physician, who will arrange for you to see another specialist. You may receive
services from your current specialist until we can make arrangements for you to see someone else.

If you have a chronic or disabling condition and lose access to your specialist because we:
-terminate our contract with your specialist for other than cause; or
-drop out of the Federal Employees Health Benefits (FEHB) Program and you enroll in another FEHB Plan; or

-reduce our service area and you enroll in another FEHB Plan,
you may be able to continue seeing your specialist for up to 90 days after you receive notice of the change. Contact us or, if we drop out of the Program, contact your new
plan. 10
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2002 Presbyterian Health Plan 11 Section 3
If you are in the second or third trimester of pregnancy and you lose access to your specialist based on the above circumstances, you can continue to see your specialist until
the end of your postpartum care, even if it is beyond the 90 days.
Hospital care Your Primary care physician or specialist will make necessary hospital arrangements and supervise your care. This includes admission to a skilled nursing or other type of facility.

If you are in the hospital when your enrollment in our Plan begins, call our customer service department immediately at 1-800-356-2219 or 923-5678. If you are new to the
FEHB Program, we will arrange for you to receive care.
If you changed from another FEHB plan to us, your former plan will pay for the hospital stay until:

You are discharged, not merely moved to an alternative care center; or
The day your benefits from your former plan run out; or
The 92 nd day after you become a member of this Plan, whichever happens first.
These provisions apply only to the benefits of the hospitalized person.

Circumstances beyond our control Under certain extraordinary circumstances, such as natural disasters, we may have to delay your services or we may be unable to provide them. In that case, we will make all
reasonable efforts to provide you with the necessary care.
Your primary care physician has authority to refer you for most services. For certain services, however, your physician must obtain approval from us. Before giving approval,
we consider if the service is covered, medically necessary, and follows generally accepted medical practice.

We call this review and approval process pre-authorization. Your physician must obtain pre-authorization for the following services: Durable Medical Equipment, Home Health,
Hospice, Home IV/ Infusion, Acute Rehabilitation, Outpatient Rehab, Ambulance, Skilled Nursing Facilities and Mental Health/ Substance Abuse care.

Except in a medical emergency, or when a primary care doctor has designated another doctor to see his or her patients, or for gynecological or maternity care, you must receive
a referral from your primary care doctor before seeing any other doctor or obtaining specialty services. Your physician must get our approval before sending you to a
hospital. Referral to a participating specialist is given at the primary care doctor's discretion. If required medical services are not available from participating providers, the
Primary Care Physician must request and obtain written authorization from the Presbyterian Health Plan Medical Director before the Member may receive services.

Services requiring our prior approval 11
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2002 Presbyterian Health Plan 12 Section 4
Section 4. Your costs for covered services
You must share the cost of some services. You are responsible for:
Copayments A copayment is a fixed amount of money you pay to the provider, facility, pharmacy, etc., when you receive services.

Example: When you see your primary care physician you pay a copayment of $10 per office visit and when you go in the hospital, you pay nothing per admission.
Deductible We do not have a deductible.
Coinsurance Coinsurance is the percentage of our negotiated fee that you must pay for your care.
Example: In our Plan, you pay 50% of our allowance for infertility services and 20% of our allowance for durable medical equipment.

After your copayments and/ or coinsurance total $2000 per person or $4000 per family enrollment in any calendar year, you do not have to pay any more for covered services.
However, copayments and/ or coinsurance for the following services do not count toward your out-of-pocket maximum, and you must continue to pay copayments and/ or
coinsurance for these services:
Prescription drugs
Dental services
Vision Services
Be sure to keep accurate records of your copayments and/ or coinsurance since you are responsible for informing us when you reach the maximum.

Your catastrophic protection out-of-pocket maximum for
coinsurance and copayments
12
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2002 Presbyterian Health Plan 13 Section 5
Section 5. Benefits --OVERVIEW
(See page 8 for how our benefits changed this year and page 62 for a benefits summary.)

NOTE: This benefits section is divided into subsections. Please read the important things you should keep in mind at the beginning of each subsection. Also read the General Exclusions in Section 6; they apply to the benefits in the following subsections. To obtain
claims forms, claims filing advice, or more information about our benefits, contact us at 1-800-356-2219 or at our website at www. phs. org.

(a) Medical services and supplies provided by physicians and other health care professionals. ................................................ 14-27
Diagnostic and treatment services Lab, X-ray, and other diagnostic tests
Preventive care, adult Preventive care, children
Maternity care Family planning
Infertility services Allergy care
Treatment therapies Physical and occupational therapies

Speech therapy Hearing services (testing, treatment, and supplies)
Vision services (testing, treatment, and supplies) Foot care
Orthopedic and prosthetic devices Durable medical equipment (DME)
Home health services Chiropractic
Alternative treatments Educational classes and programs

(b) Surgical and anesthesia services provided by physicians and other health care professionals.......................................... 26-30
Surgical procedures Reconstructive surgery Oral and maxillofacial surgery Organ/ tissue transplants
Anesthesia
(c) Services provided by a hospital or other facility, and ambulance services ....................................................................... 31-35
Inpatient hospital Outpatient hospital or ambulatory surgical center Extended care benefits/ skilled nursing care facility benefits Hospice care
Ambulance
(d) Emergency services/ accidents ........................................................................................................................................... 36-38 Medical emergency Ambulance

(e) Mental health and substance abuse benefits ...................................................................................................................... 39-40
(f) Prescription drug benefits .................................................................................................................................................. 41-44
(g) Special Features…………………………………………………………………………………………………………………… 45
Flexible Benefit Option
Services for deaf and hearing impaired
High risk pregnancies
(h) Dental Benefits…………………………………………………………….....…………………………………………………… 46
(i) Non-FEHB benefits available to Plan members…………………………………………………….....…………………………. 47
Summary of benefits. ............................................................................................................................................................................ 62 13
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2002 Presbyterian Health Plan 14 Section 5( a)
Section 5 (a). Medical services and supplies provided by physicians and other health care professionals
I M
P O
R T
A N
T

Here are some important things to keep in mind about these benefits:
Please remember that all benefits are subject to the definitions, limitations, and exclusions in this brochure and are payable only when we determine they are medically necessary.

Plan physicians must provide or arrange your care.
We have no calendar year deducible.
Be sure to read Section 4, Your costs for covered services, for valuable information about how cost sharing works. Also read Section 9 about coordinating benefits with other coverage, including with

Medicare.

I M
P O
R T
A N
T

Benefit Description You pay
Diagnostic and treatment services
Professional services of physicians
In physician's office

$10 per office visit

Professional services of physicians
In an urgent care center

During a hospital stay
In a skilled nursing facility: Admission must be arranged and preauthorized by the Plan. Skilled Nursing facility care is provided for

up to 60 days per member, per calendar year.
For office medical consultations
For second surgical opinion

$10 per office visit
$10 in Service Area
$15 out of Service Area
Nothing
Nothing

$10 per office visit
$10 per office visit

At home $10 per visit

Diagnostic and treatment services --continued on next page 14
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2002 Presbyterian Health Plan 15 Section 5( a)
Lab, X-ray and other diagnostic tests You pay
Tests, such as:
Blood tests
Urinalysis
Non-routine pap tests
Pathology
X-rays
Non-routine mammograms
CAT Scans/ MRI
Ultrasound
Electrocardiogram and EEG

Nothing if you receive these services during your office visit; otherwise, $10 per office
visit

Preventive care, adult
Routine screenings, such as:
Preventive physical exam
Office based health education
Glaucoma Testing
Family Planning
Blood lead level – One annually
Total Blood Cholesterol – once every three years
Colorectal Cancer Screening, including

Fecal occult blood test
Sigmoidoscopy, screening – every five years starting at age 50
Chlamydial infection Prostate Specific Antigen (PSA test) – one annually for men age 40 and

older

$10 per office visit

Routine pap test
Note: The office visit is covered if pap test is received on the same day; see Diagnosis and Treatment, above. $10 per office visit

Preventive Care -Adult --continued on next page 15
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2002 Presbyterian Health Plan 16 Section 5( a)
Preventive care, adult (continued) You pay
Routine mammogram –covered for women age 35 and older, as follows:
From age 35 through 39, one during this five year period
From age 40 through 64, one every calendar year
At age 65 and older, one every two consecutive calendar years

You pay nothing for charges. Additional mammograms are covered when
determined to be medically necessary by a participating provider.

Not covered: Physical exams required for obtaining or continuing employment or insurance, attending schools or camp, or travel. All charges.
Routine immunizations, limited to:
Tetanus-diphtheria (Td) booster – once every 10 years, ages 19 and over (except as provided for under Childhood immunizations)

Influenza/ Pneumococcal vaccines, annually, age 65 and over

$10 per office visit

Preventive care, children
Childhood immunizations recommended by the American Academy of Pediatrics $10 per office visit

Well-child care charges for routine examinations, immunizations and care (under age 22)
Examinations, such as:
Eye exams through age 17 to determine the need for vision correction.

Ear exams through age 17 to determine the need for hearing correction
Examinations done on the day of immunizations (under age 22)

$10 per office visit 16
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2002 Presbyterian Health Plan 17 Section 5( a)
Maternity care You pay
Complete maternity (obstetrical) care, such as:
Prenatal care
Delivery
Postnatal care
Note: Here are some things to keep in mind:
You do not need to precertify your normal delivery; see page 33 for other circumstances, such as extended stays for you or your baby.

You may remain in the hospital up to 48 hours after a regular delivery and 96 hours after a cesarean delivery. We will extend
your inpatient stay if medically necessary.
We cover routine nursery care of the newborn child during the covered portion of the mother's maternity stay. We will cover other

care of an infant who requires non-routine treatment only if we cover the infant under a Self and Family enrollment.

We pay hospitalization and surgeon services (delivery) the same as for illness and injury. See Hospital benefits (Section 5c) and
Surgery benefits (Section 5b).

$10 per office visit up to a maximum of $100 per pregnancy

Not covered: Routine sonograms to determine fetal age, size or sex All charges.
Family planning
A broad range of voluntary family planning services, limited to:
Voluntary sterilization
Surgically implanted contraceptives (such as Norplant)

Injectable contraceptive drugs (such as Depo provera)
Intrauterine devices (IUDs)
Diaphragms
Norplant (a surgically implanted contraceptive) and intrauterine devices (IUDs). Note: Devices are covered under 5 (a).

NOTE: We cover oral contraceptives under the prescription drug benefit.

50% of all charges
50% of all charges-insertion
$10 per visit-removal

50% of all charges
50% of all charges
$10 per visit
50% of all charges

Not covered: reversal of voluntary surgical sterilization, genetic counseling, All charges. 17
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2002 Presbyterian Health Plan 18 Section 5( a)
Infertility services You pay
Diagnosis and treatment of infertility, such as:
Artificial insemination: intravaginal insemination (IVI)

intracervical insemination (ICI) intrauterine insemination (IUI)

Fertility drugs
Note: We cover injectable fertility drugs under medical benefits and oral fertility drugs under the medical benefits. Artificial insemination is

covered up to 3 inseminations.

50% of all charges
50% of all charges

Not covered:
Assisted reproductive technology (ART) procedures, such as: in vitro fertilization

embryo transfer, gamete GIFT and zygote ZIFT Zygote transfer

Services and supplies related to excluded ART procedures
Cost of donor sperm
Cost of donor egg

All charges.

Allergy care
Testing and treatment
Allergy injection
$10 per office visit

Allergy serum Nothing
Not covered: provocative food testing and sublingual allergy desensitization All charges. 18
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2002 Presbyterian Health Plan 19 Section 5( a)
Treatment therapies You pay
Chemotherapy and radiation therapy
Note: High dose chemotherapy in association with autologous bone marrow transplants are limited to those transplants listed under

Organ/ Tissue Transplants on page 29.
Respiratory and inhalation therapy
Dialysis – Hemodialysis and peritoneal dialysis
Intravenous (IV)/ Infusion Therapy – Home IV and antibiotic therapy

Growth hormone therapy (GHT)
Note: – We will only cover GHT when we preauthorize the treatment. Growth Hormone is covered for children with growth potential who

have total or partial growth hormone deficiency (idiopathic or organic). The diagnosis of growth hormone deficiency must be confirmed by at
least two stimulation tests. Growth hormone injections are specifically excluded for Turner's syndrome or Down's syndrome, unless growth
hormone deficiency can be documented, and when preauthorized by us. For adults, growth hormone is covered only for non-functioning or
surgically removed pituitary glands with demonstrated low levels of growth hormone. Growth hormone injections are excluded for chronic
renal failure or other chronic disease regardless of stimulated growth hormone levels.

We will ask that your physician submit information that establishes that the GHT is medically necessary. Ask us to authorize GHT before you
begin treatment; otherwise, we will only cover GHT services from the date you submit the information. If you do not ask or if we determine
GHT is not medically necessary, we will not cover the GHT or related services and supplies. See Services requiring our prior approval in
Section 3. Continuation of therapy using any drug is dependent upon its demonstrable efficacy.

$10 per office visit
Note: 10% of all charges for Recombinant DNA and Purified Biological Products.

Not covered: All charges. 19
19 Page 20 21
2002 Presbyterian Health Plan 20 Section 5( a)
Physical and occupational therapies You Pay
Provided in-patient or out-patient up to 2 months per condition if significant improvement is expected for the services of each of the
following:
qualified physical therapists; and
occupational therapists.
Note: We only cover therapy to restore bodily function when there has been a total or partial loss of bodily function due to illness or injury. In-patient or out-patient
therapy may be extended 2 additional months if significant improvement is expected to continue and must be preauthorized by PHP

This benefit is not renewable each calendar year. Cardiac rehabilitation following a heart transplant, bypass surgery or a
myocardial infarction is provided for up to 12 sessions with continuous electrocardiogram (ECG) monitoring or up to 24 sessions with intermittent
ECG monitoring at an approved facility.

$15 per visit

Not covered: Long-term rehabilitative therapy
(Any therapy beyond 6 months is defined as long term therapy.)
Exercise programs All charges.

Speech therapy Speech Therapy is covered for up to 2 months when provided by a licensed or
certified speech therapist subject to the following:
Speech Therapy is medically necessary
Speech Therapy must be preauthorized by us.
Following the initial 2 months of treatment, in-patient or outpatient Speech Therapy may be extended for a period not to exceed 2 additional 2-month
periods.

$15 per visit

Not covered: Speech Therapy beyond 6 consecutive months. All charges. 20
20 Page 21 22
2002 Presbyterian Health Plan 21 Section 5( a)
Hearing services (testing, treatment, and supplies) You pay
First hearing aid and testing only when necessitated by accidental injury

Hearing testing for children through age 17 (see Preventive care, children)
$10 per office visit

Not covered: all other hearing testing
hearing aids, testing and examinations for them
All charges.

Vision services (testing, treatment, and supplies)
One pair of eyeglasses or contact lenses to correct an impairment directly caused by accidental ocular injury or intraocular surgery

(such as for cataracts)
20% of all charges

Eye exam to determine the need for vision correction for children through age 17 (see Preventive care, children)
Screening performed to determine the need for vision correction. This does not include routine eye exams or refractions performed by
eye care specialists.

$10 per office visit

Not covered:
Eyeglasses or contact lenses and, after age 17, examinations for them

Eye exercises and orthopedics
Radial keratotomy and other refractive surgery

Replacement of all items referenced in this section due to wear, loss, or damage

All charges.

Foot care
Routine foot care when you are under active treatment for a metabolic or peripheral vascular disease, such as diabetes.

See orthopedic and prosthetic devices for information on podiatric shoe inserts.
$10 per office visit

Not covered:
Cutting, trimming or removal of corns, calluses, or the free edge of toenails, and similar routine treatment of conditions of the foot,

except as stated above
Treatment of weak, strained or flat feet or bunions or spurs; and of any instability, imbalance or subluxation of the foot (unless the

treatment is by open cutting surgery)

All charges. 21
21 Page 22 23
2002 Presbyterian Health Plan 22 Section 5( a)
Orthopedic and prosthetic devices You Pay Artificial limbs and eyes; stump hose
Orthotic appliances including braces and other external devises used to correct a body function. Benefits will be provided if medically
necessary and preauthorized.
Externally worn breast prostheses and surgical bras, including necessary replacements, following a mastectomy

Internal prosthetic devices, such as artificial joints, pacemakers, cochlear implants, and surgically implanted breast implant following
mastectomy. Note: We pay internal prosthetic devices as hospital benefits; see Section 5 (c) for payment information. See 5( b) for
coverage of the surgery to insert the device.
Corrective orthopedic appliances for non-dental treatment of tempormanibular joint (TMS) pain dysfunction syndrome.

Prosthetics devices are covered only when they replace a limb or other part of the body after accidental or surgical removal and/ or when the body's
growth necessitates replacement.
For diabetics, covered services include foot appliances, including therapeutic molded or depth-inlay shoes, functional orthotics, custom
molded inserts, replacement inserts, preventive devices and shoe modifications for prevention and treatment.

Penile Prosthesis is limited to the reasonable charge for semi-rigid or flexible rod prosthesis. Benefits for inflatable penile prosthesis may be
provided when medically necessary.
Prosthetic Devices will be provided when determined to be medically necessary by the plan physician. Prosthetic devices must be
preauthorized by us.

20% of all charges

Not covered:
orthopedic and corrective shoes
arch supports
foot orthotics
heel pads and heel cups
lumbosacral supports
corsets, trusses, elastic stockings, support hose, and other supportive devices

prosthetic replacements provided less than 3 years after the last one we covered
speech synthesis devices

All charges. 22
22 Page 23 24
2002 Presbyterian Health Plan 23 Section 5( a)
Durable medical equipment (DME) You Pay
Rental or purchase, at our option, including repair and adjustment, of durable medical equipment prescribed by your Plan physician, such as

oxygen and dialysis equipment. Under this benefit, we also cover:
hospital beds;
wheelchairs (non-motorized);
crutches;
walkers;
blood glucose monitors; and
insulin pumps.

20% of all charges

Not covered: deluxe equipment such as motor driven wheelchairs, chair lifts, or
beds, when standard equipment is available and adequate.
motorized wheel chairs
All charges.

Home health services
Home health care ordered by a Plan physician and provided by a registered nurse (R. N.), licensed practical nurse (L. P. N.), licensed

vocational nurse (L. V. N.), or home health aide.
Services include oxygen therapy, intravenous therapy and medications.
Recombinant DNA and Purified Biological Products

Nothing
10% of all charges
Not covered: nursing care requested by, or for the convenience of, the patient or
the patient's family;
Home Care primarily for personal assistance does not include a medical component and is not diagnostic, therapeutic or
rehabilitative.

All charges. 23
23 Page 24 25
2002 Presbyterian Health Plan 24 Section 5( a)
Chiropractic You Pay
Chiropractic Services – 18 visits per year if medically necessary. Preauthorization is required.

Your plan physician must determine in consultation with us that your treatment will result in significant improvement in your condition
within 2 months.
Following the initial evaluation and 6 sessions, inpatient or outpatient chiropractic treatment may be extended for a period not to exceed 2
additional 6-session periods when:

preauthorized by us, and
the plan physician certifies that the therapy is medically necessary and is resulting in significant improvement. The determination of
significant improvement will be established if the member has met all therapy goals for the preceeding 6 sessions as documented on the
therapy record.
Chiropractic treatment is specifically limited to treatment by means of manual manipulation, by the use of hands, and ultrasound therapy.

Subluxation must be documented by chiropractic examination and documented in the chiropractic records.
Chiropractic x-rays are only covered if preauthorized. Preauthorization for x-rays performed by a chiropractor will be considered for the
following clinical situations, unless clinically relevant x-rays already exist:

Acute trauma with a suspected fracture, such as motor vehicle accidents or slip and fall accidents
Clinical evidence of significant osteoporosis: recent fracture of the spine, wrist or hip; loss of height over inch, or spine curvature
consistent with osteoporotic fractures; or

Abnormal neurologic or orthopedic findings suggesting spinal nerve impingement.

$15 per office visit

Chiropractic --continued on next page 24
24 Page 25 26
2002 Presbyterian Health Plan 25 Section 5( a)
Chiropractic (continued) You Pay
Not covered:

Chiropractic treatment for chronic subluxation of rheumatoid arthritis, allergy muscular dystrophy, multiple sclerosis, pneumonia, or chronic lung
disease, and other diseases/ conditions.
Diagnostic or therapeutic service furnished by a chiropractor including magnetherm, or any other mechanical form of treatment

Rolfing
Massage therapy
Naturopathic services
Hynotherapy
Biofeedback

All charges.

Alternative treatments
Acupuncture/ Meridian Therapy – 20 visits per year if determined medically necessary by a doctor of medicine or osteopathy, chiropractor

or doctor of Oriental Medicine acting within the scope of his/ her license for anesthesia or chronic or acute pain relief. Both a referral is required
from your plan physician and preauthorization from us.
Treatment of other medical conditions using acupuncture or meridian therapy will be covered only if the following conditions are met:

There is evidence-based medical literature that clearly supports the safety, efficacy and appropriateness of this treatment for the specific
medical condition for which authorization is requested.
Acupuncture or meridian therapy must be part of a coordinated plan of care

$15 per office visit

Not covered: naturopathic services
hypnotherapy biofeedback

Educational classes and programs
No Benefit. All charges. 25
25 Page 26 27
2002 Presbyterian Health Plan 26 Section 5( b)
Section 5 (b). Surgical and anesthesia services provided by physicians and other health care professionals
I M
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T

Here are some important things to keep in mind about these benefits:
Please remember that all benefits are subject to the definitions, limitations, and exclusions in this brochure and are payable only when we determine they are medically necessary.

Plan physicians must provide or arrange your care.
We have no calendar year deductible.
Be sure to read Section 4, Your costs for covered services, for valuable information about how cost sharing works. Also read Section 9 about coordinating benefits with other coverage, including with Medicare.

The amounts listed below are for the charges billed by a physician or other health care professional for your surgical care. Look in Section 5( c) for charges associated with the facility (i. e. hospital, surgical center, etc.).
YOUR PHYSICIAN MUST GET PRECERTIFICATION OF SOME SURGICAL PROCEDURES. Please refer to the precertification information shown in Section 3 to be sure which services require precertification and
identify which surgeries require precertification.

I M
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T

Benefit Description You pay
Surgical procedures
A comprehensive range of services, such as: Operative procedures
Treatment of fractures, including casting Normal pre-and post-operative care by the surgeon
Correction of amblyopia and strabismus Endoscopy procedures
Biopsy procedures Removal of tumors and cysts
Correction of congenital anomalies (see reconstructive surgery) Surgical treatment of morbid obesity --a condition in which an
individual weighs 100 pounds or 100% over his or her normal weight according to current underwriting standards; eligible members must
be age 18 or over Insertion of internal prosthetic devices. See 5( a) – Orthopedic and
prosthetic devices for device coverage information. Voluntary sterilization
Treatment of burns

$10 per office visit – Outpatient
Nothing – Inpatient 26
26 Page 27 28
2002 Presbyterian Health Plan 27 Section 5( b)
Surgical procedures (continued) You pay
Note:
Generally, we pay for internal prostheses (devices) according to where the procedure is done. For example, we pay Hospital benefits

for a pacemaker and Surgery benefits for insertion of the pacemaker.
Not covered: Reversal of voluntary sterilization
Routine treatment of conditions of the foot; see Foot care.
All charges.

Reconstructive surgery Surgery to correct a functional defect
Surgery to correct a condition caused by injury or illness if: the condition produced a major effect on the member's
appearance and the condition can reasonably be expected to be corrected by
such surgery Surgery to correct a condition that existed at or from birth and is a
significant deviation from the common form or norm. Examples of congenital anomalies are: protruding ear deformities; cleft lip;
cleft palate; birth marks; webbed fingers; and webbed toes.

Nothing

All stages of breast reconstruction surgery following a mastectomy, such as:
surgery to produce a symmetrical appearance on the other breast;
treatment of any physical complications, such as lymphedemas; breast prostheses and surgical bras and replacements (see
Prosthetic devices)
Note: If you need a mastectomy, you may choose to have the procedure performed on an inpatient basis and remain in the hospital up to 48

hours after the procedure.

See above.

Not covered: Cosmetic surgery – any surgical procedure (or any portion of a
procedure) performed primarily to improve physical appearance through change in bodily form, except repair of accidental injury

Surgeries related to sex transformation

All charges. 27
27 Page 28 29
2002 Presbyterian Health Plan 28 Section 5( b)
Oral and maxillofacial surgery You pay
Oral surgical procedures, limited to: Reduction of fractures of the jaws or facial bones;

Surgical correction of cleft lip, cleft palate or severe functional malocclusion;
Removal of stones from salivary ducts; Excision of leukoplakia or malignancies;
Excision of cysts and incision of abscesses when done as independent procedures; and
Other surgical procedures that do not involve the teeth or their supporting structures.

Nothing

Not covered: Oral implants and transplants
Procedures that involve the teeth or their supporting structures (such as the periodontal membrane, gingiva, and alveolar bone)
All charges.
28
28 Page 29 30
2002 Presbyterian Health Plan 29 Section 5( b)
Organ/ tissue transplants You pay
Limited to: Cornea

Heart Heart/ lung
Lung Kidney
Kidney/ Pancreas Liver
Lung: Single –Double Pancreas
Pancreas islet cell infusion Allogeneic (donor) bone marrow transplants
Autologous bone marrow transplants (autologous stem cell and peripheral stem cell support) for the following conditions: acute
lymphocytic or non-lymphocytic leukemia; advanced Hodgkin's lymphoma; advanced non-Hodgkin's lymphoma; advanced
neuroblastoma; breast cancer; multiple myeloma; epithelial ovarian cancer; and testicular, mediastinal, retroperitoneal and ovarian germ
cell tumors Intestinal transplants (small intestine) and the small intestine with
the liver or small intestine with multiple organs such as the liver, stomach, and pancreas
National Transplant Program (NTP) – All organ transplants must be medically necessary. Transplants will be performed as a site
approved by us.
Limited Benefits – Treatment for breast cancer, multiple myeloma, and epithelial ovarian cancer may be provided in an NCI-or NIH-approved
clinical trial at a Plan-designated center of excellence and if approved by the Plan's medical director in accordance with the Plan's protocols.

Note: We cover related medical and hospital expenses of the donor when we cover the recipient. The plan will pay reasonable and
customary charges for hospital, surgical, laboratory and x-ray services for a donor who is not entitled to benefits under any other health benefit
plan or policy. Donor charges must result from the medically necessary covered transplant of an organ or body tissue to a member of the plan.

Limited travel benefits are available for the transplant recipient and one other person. Transportation costs will be covered only if out-of-state
travel is required. Reasonable expenses for lodging and meals will be covered for both out-of-state and in-state, up to a maximum of $150 a
day for both combined. All benefits for transportation, lodging and meals are limited to a maximum of $10,000.

All transplant benefits, including travel, are limited to a lifetime maximum of $500,000 (including immunosuppressive drugs).

$10 per visit – Outpatient
Nothing – Inpatient

Organ/ Tissue Transplants – continued on next page 29
29 Page 30 31
2002 Presbyterian Health Plan 30 Section 5( b)
Organ/ tissue transplants (Continued) You pay
Not covered: Donor screening tests and donor search expenses, except those

performed for the actual donor Implants of artificial organs

Transplants not listed as covered
Non-human organ transplants, except for porcine (pig) heart valves

All charges.

Anesthesia
Professional services provided in –
Hospital (inpatient) Nothing

Professional services provided in –
Hospital outpatient department Skilled nursing facility

Ambulatory surgical center Office

$10 per office visit 30
30 Page 31 32
2002 Presbyterian Health Plan 31 Section 5( c)
Section 5 (c). Services provided by a hospital or other facility, and ambulance services
I M
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T

Here are some important things to remember about these benefits:
Please remember that all benefits are subject to the definitions, limitations, and exclusions in this brochure and are payable only when we determine they are medically necessary.

Plan physicians must provide or arrange your care and you must be hospitalized in a Plan facility.
Be sure to read Section 4, Your costs for covered services, for valuable information about how cost sharing works. Also read Section 9 about coordinating benefits with other coverage,

including with Medicare.
The amounts listed below are for the charges billed by the facility (i. e., hospital or surgical center) or ambulance service for your surgery or care. Any costs associated with the professional charge

(i. e., physicians, etc.) are covered in Sections 5( a) or (b).
Hospital Service must be preauthorized by us.
YOUR PHYSICIAN MUST GET PRECERTIFICATION OF HOSPITAL STAYS

I M
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T

Benefit Description You pay
Inpatient hospital
Room and board, such as

Ward, semiprivate, or intensive care accommodations;
General nursing care; and
Meals and special diets.

NOTE: If you want a private room when it is not medically necessary, you pay the additional charge above the semiprivate room rate.

Nothing

Inpatient hospital continued on next page. 31
31 Page 32 33
2002 Presbyterian Health Plan 32 Section 5( c)
Inpatient hospital (continued) You pay
Other hospital services and supplies, such as:

Operating, recovery, maternity, and other treatment rooms
Prescribed drugs and medicines
Diagnostic laboratory tests and X-rays
Administration of blood and blood products
Blood or blood plasma, if not donated or replaced
Dressings, splints, casts, and sterile tray services
Medical supplies and equipment, including oxygen
Anesthetics, including nurse anesthetist services
Take-home items
Medical supplies, appliances, medical equipment, and any covered items billed by a hospital for use at home

Nothing

Not covered:
Custodial care
Non-covered facilities, such as nursing homes, schools
Personal comfort items, such as telephone, television, barber services, guest meals and beds

Private nursing care

All charges. 32
32 Page 33 34
2002 Presbyterian Health Plan 33 Section 5( c)
Outpatient hospital or ambulatory surgical center You Pay
Operating, recovery, and other treatment rooms

Prescribed drugs and medicines
Diagnostic laboratory tests, X-rays, and pathology services
Administration of blood, blood plasma, and other biologicals
Blood and blood plasma, if not donated or replaced
Pre-surgical testing
Dressings, casts, and sterile tray services
Medical supplies, including oxygen
Anesthetics and anesthesia service
NOTE: – We cover hospital services and supplies related to dental procedures when necessitated by a non-dental physical impairment. We
do not cover the dental procedures.

Nothing

Extended care benefits/ skilled nursing care facility benefits
Skilled nursing facility (SNF): 60 days per member per calendar year

Note: Room and board and other necessary services are provided when you require skilled nursing care of the type provided by the
facility. Admission to the facility must be arranged by your Primary Care Physician or a physician to whom you are referred
and must be preauthorized by Presbyterian Health Plan.

Nothing

Not covered: custodial care or domiciliary care All charges. 33
33 Page 34 35
2002 Presbyterian Health Plan 34 Section 5( c)
Hospice care You Pay
The following services are covered for in-patient and in-home hospice benefits:
Inpatient hospice care
Physician visits by plan hospice physicians
Home health care by approved home health care personnel
Physical therapy
Medical supplies
Drugs and medication for the terminally ill patient
Respite care for a period not to exceed five continuous days for every 60 days of hospice care. Only two respite cares are available

during a hospice benefit period
Benefits are provided for in a participating hospice or facility approved by the plan physician and preauthorized by the plan.

The hospice benefit period must begin while you are covered with this benefit, and coverage through the plan must be continued throughout the
benefit period in order for hospice benefits to continue.
The hospice benefit period is defined as:
Beginning on the date the plan physician certifies that you are terminally ill with a life expectancy of six months or less; and ending six months after it

began, or upon death.
If you require an extension of the hospice benefit period, the hospice must provide a new treatment plan and the plan physician must recertify your

medical condition to us. No more than one additional hospice benefit period will be preauthorized by us.

Nothing

Not covered:
Food, housing and delivered meals
Volunteer services
Comfort items
Homemaker and housekeeping services
Private duty nursing
Pastoral and spiritual counseling and
Bereavement counseling

All charges. 34
34 Page 35 36
2002 Presbyterian Health Plan 35 Section 5( c)
Ambulance You Pay
Local professional ambulance service when medically appropriate.

Ground Ambulance
Air Ambulance
$50 copay per occurrence
$100 copay per occurrence 35
35 Page 36 37
2002 Presbyterian Health Plan 36 Section 5( d)
Section 5 (d). Emergency services/ accidents
I M
P O
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A N
T

Here are some important things to keep in mind about these benefits:
Please remember that all benefits are subject to the definitions, limitations, and exclusions in this brochure.
We have no calendar year deductible.
Be sure to read Section 4, Your costs for covered services, for valuable information about how cost sharing works. Also read Section 9 about coordinating benefits with other coverage, including with Medicare.

I M
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T
What is a medical emergency?
A medical emergency is the sudden and unexpected onset of a condition or an injury that you believe endangers your life or could result in serious injury or disability, and requires immediate medical or surgical care. Some problems are emergencies

because, if not treated promptly, they might become more serious; examples include deep cuts and broken bones. Others are emergencies because they are potentially life-threatening, such as heart attacks, strokes, poisonings, gunshot wounds, or
sudden inability to breathe. There are many other acute conditions that we may determine are medical emergencies – what they all have in common is the need for quick action.

What to do in case of emergency:
If you need emergency care you should call 911 or seek treatment at the nearest emergency room. If in need of urgent care, you should seek treatment at an urgent care center that is open and available for business. Please note that some urgent care
centers are not open after 8: 00 p. m. In such circumstances, you may need to use an emergency room for care that is needed on an urgent basis.

Acute emergency medical care is covered 24 hours per day, seven days per week for services needed immediately to prevent jeopardy to your health. If you cannot reasonably access a plan facility, we will make arrangements to cover your care that is
needed on an urgent basis.
Coverage for services will continue until you are medically suitable, do not require critical care, and can be safely transferred to a hospital in our plan network.

We will provide reimbursement when you, acting in good faith, obtain emergency care for what appears to you acting as a reasonable lay person, to be an acute condition that requires immediate medical attention, even if your condition is
subsequently determined to be non-emergent.
In determining whether you acted as a "reasonable layperson" we will determine the following factors:
Your belief that the circumstances required immediate medical care that could not wait until the next working day or the next available appointment

The time of day the care was provided
The presenting symptoms
Any circumstance that prevented you from using our established procedures for obtaining emergency care.
We will not deny a claim for emergency care when you are referred to the emergency room by a plan doctor or the plan.
No prior authorization is required for emergency care. 36
36 Page 37 38
2002 Presbyterian Health Plan 37 Section 5( d)
If your emergency care results in a hospitalization directly from the emergency room the emergency co-payment is waived.
Emergencies within our service area: You should seek medical treatment from plan providers whenever possible. Follow up care from plan or non-plan providers
within the service area requires a referral from a plan provider.
Out-of-network emergency care will be provided to you without additional cost. The reasonable lay person standard from above will apply to determine if out of network care was appropriate.
________________________________________________________________________________________________
Emergencies outside our service area:
You may seek services from the nearest facility where emergency treatment can be provided. Non-emergent follow up care outside the service area is not covered unless transfer to a plan provider would be medically inappropriate and a risk to your

health. Non-emergent follow-up care outside of our service area is not covered for convenience or preference. 37
37 Page 38 39
2002 Presbyterian Health Plan 38 Section 5( d)
Benefit Description You pay
Emergency within our service area
Emergency care at a doctor's office

Emergency care at an urgent care center
Emergency care as an outpatient or inpatient at a hospital, including doctors' services

$10 per visit
$15 per visit
$25 per visit

Not covered: Elective care or non-emergency care All charges.
Emergency outside our service area
Emergency care at a doctor's office

Emergency care at an urgent care center

Emergency care as an outpatient or inpatient at a hospital, including doctors' services

$10 per visit
$15 per visit
$25 per visit

Not covered:
Elective care or non-emergency care
Emergency care provided outside the service area if the need for care could have been foreseen before leaving the service area

Medical and hospital costs resulting from a normal full-term delivery of a baby outside the service area

All charges.

Ambulance Professional ambulance service when medically appropriate.
See 5( c) for non-emergency service.
Ground Ambulance

Air Ambulance
$50 per occurrence
$100 per occurrence

Inter-Facility Transfer:
Ground Ambulance
Air Ambulance
Nothing
$100 per occurrence

Not covered: Inter-Facility Transfer Services if not preauthorized All charges. 38
38 Page 39 40
2002 Presbyterian Health Plan 39 Section 5( e)
Section 5 (e). Mental health and substance abuse benefits
I M
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T

When you get our approval for services and follow a treatment plan we approve, cost-sharing and limitations for Plan mental health and substance abuse benefits will be no greater than for similar benefits for other
illnesses and conditions.
Here are some important things to keep in mind about these benefits:
All benefits are subject to the definitions, limitations, and exclusions in this brochure.
Be sure to read Section 4, Your costs for covered services, for valuable information about how cost sharing works. Also read Section 9 about coordinating benefits with other coverage, including with

Medicare.
YOU MUST GET PREAUTHORIZATION OF THESE SERVICES. See the instructions after the benefits description below.

I M
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T

Benefit Description You pay
Mental health and substance abuse benefits
All Diagnostic and treatment services recommended by a Plan provider and contained in a treatment plan that we approve. The treatment plan

may include services, drugs, and supplies described elsewhere in this brochure.

Note: Plan benefits are payable only when we determine the care is clinically appropriate to treat your condition and only when you receive
the care as part of a treatment plan that we approve.

Your cost sharing responsibilities are no greater than for other illness or conditions.

" Professional services, including individual or group therapy by
providers such as psychiatrists, psychologists, or clinical social workers

" Medication management

$10 per visit

Mental health and substance abuse benefits -continued on next page 39
39 Page 40 41
2002 Presbyterian Health Plan 40 Section 5( e)
Mental health and substance abuse benefits (continued) You pay
" Diagnostic tests Nothing

Services provided by a hospital or other facility
Services in approved alternative care settings such as partial hospitalization, half-way house, residential treatment, full-day

hospitalization, facility-based intensive outpatient treatment

Nothing

Not covered: Services we have not approved.
Note: OPM will base its review of disputes about treatment plans on the treatment plan's clinical appropriateness. OPM will generally not

order us to pay or provide one clinically appropriate treatment plan in favor of another.

All charges.

Preauthorization To be eligible to receive these enhanced mental health and substance abuse benefits you must follow your treatment plan and all the following authorization processes:
To access mental health services, simply contact the Presbyterian Health Plan Behavioral Health Unit at 923-5470 or 1-800-453-4347 to receive a referral to a
behavioral health provider. The behavioral health provider is responsible for any authorizations.

Limitation We may limit your benefits if you do not obtain a treatment plan. 40
40 Page 41 42

2002 Presbyterian Health Plan 41 Section 5( f)
Section 5 (f). Prescription drug benefits
I M
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T

Here are some important things to keep in mind about these benefits:
We cover prescribed drugs and medications, as described in the chart beginning on the next page.
All benefits are subject to the definitions, limitations and exclusions in this brochure and are payable only when we determine they are medically necessary.

Be sure to read Section 4, Your costs for covered services, for valuable information about how cost sharing works. Also read Section 9 about coordinating benefits with other coverage, including with Medicare.

I M
P O
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T There are important features you should be aware of.
These include:
Who can write your prescription. A participating plan healthcare provider must write the prescription. Where you can obtain them. You may fill the prescription at a plan pharmacy, (except for out-of-area emergencies), or
by mail for a maintenance medication. Mail order medications are available through the Mail Service Pharmacy identified in the Doctors and Facilities Directory. Order forms are available from the Plan's customer service department.
We use a formulary. We cover non-formulary drugs prescribed by a Plan doctor. Prescription medications are prescribed by a Plan healthcare provider and dispensed in accordance with the Plan's drug formulary. The formulary is a
list of generic and brand name medications that we selected to meet patient needs for quality treatment at a lower cost. You may request a copy of this formulary by calling Member Services at 1-800-356-2219 or 923-5678. An on-line
version of our formulary is also available at our web site – www. phs. org (under Services & MDS-Pharmacy).
These are the dispensing limitations. A generic equivalent will be dispensed if it is available, unless your physician specifically requires a name brand. If you

receive a name brand drug when a Federally-approved generic drug is available, and your physician has not specified Dispense as Written for the name brand drug, you have to pay the difference in cost between the name brand drug and
the generic. We have an open formulary. If your physician believes a name brand product is necessary or there is no generic
available, your physician may prescribe a name brand drug from a formulary list. This list of name brand drugs is a preferred list of drugs that we selected to meet patient needs at a lower cost. To order a prescription drug brochure, call
Member Service at 505-923-5678 or 1-800-356-2219. An on-line version of our formulary is available on our web site – www. phs. org (under Services and MDs – Pharmacy).
Prescription medications prescribed by a Plan healthcare provider and obtained at a Plan pharmacy will be dispensed for up to a 30 day supply or 100-unit supply, whichever is less, or one commercially prepackaged unit i. e. one inhaler, one
vial ophthalmic drops, one vial of insulin). Any amount of medication beyond these quantity limits, even if necessary to obtain a months supply, will be associated with multiple copays (for example 200 tablets of a medication or 2
prepackaged inhalers, necessary for a months supply, will be associated with payment of two copays for that medication).
Maintenance formulary medications purchased through the mail order option will be for a 90-day supply or 300-units, whichever is less, or 3 commercially prepackaged units. Non-formulary medications are not available through the mail
order option. If you or your healthcare provider request a brand name drug in place of the generic, you pay the difference in price between the brand and generic, plus the applicable generic copay.
Brand name drugs will be associated with a brand copay, even if a generic equivalent is not available. Prescription refill requests through a Plan pharmacy or the mail order option will be processed at or near the expected
time at which the original supply of medication would be exhausted. Requests for early refills can be made to the Plan pharmacy, who can then request approval from the Plan. Replacement prescriptions resulting from loss, theft, or
destruction are not a covered benefit. Why use geneic drugs? Generic drugs contain the same active ingredients and are equivalent in strength and dosage to
the original brand name product. Generic drugs cost you and your Plan less money that a name-brand drug. 41
41 Page 42 43
2002 Presbyterian Health Plan 42 Section 5( f)
When you have to file a claim.
In-Network
No claims filing is necessary. You are responsible for paying the copayment or coinsurance.

Out-of-Network
For services provided by out-of-network providers, you may be required to file a claim if the provider does not do so. To file a claim, complete all questions on the claim form (see sample), sign it, and attach an itemized statement from the
provider. Be sure the statement includes all of the following:
Patient's Name Diagnosis

Date of Service Procedure Code
Price for each procedure Name and address of the provider.

A separate claim form is required for each family member.
If the provider's office uses a universal claim form (HCFA-1500), that form may be submitted in lieu of the Presbyterian Health Plan claim form as long as the patient and insured information is completed.

If a charge is made to you for covered pharmacy benefits, you must provide proof of such charge with a copy of the pharmacy receipt with the name of the drug, quantity dispensed, and National Drug Code (NDC) number. Any charge shall
be paid only upon receipt of proof satisfactory to the Plan of the occurrence, character and extent of the event and services for which claim is made.

Mail proof to:
Presbyterian Health Plan Attention: Pharmacy

P. O. Box 27489 Albuquerque, NM 87125-7489 42
42 Page 43 44
2002 Presbyterian Health Plan 43 Section 5( f)
Benefit Description You pay
Covered medications and supplies
We cover the following medications and supplies prescribed by a Plan physician and obtained from a Plan pharmacy or through our mail order

program:

Drugs and medicines that by Federal law of the United States require a physician's prescription for their purchase, except those
listed as Not covered.
Insulin, with a copay charge applied to each vial
Diabetic supplies, including insulin syringes, needles, blood test strips, urine test tape, and acetone test tablets. (Glucose monitors
are covered as durable medical equipment, see under DME section)
All FDA-approved oral and injectable contraceptive drugs and contraceptive devices

Disposable needles and syringes for the administration of covered medication
Drugs for sexual dysfunction (see Prior authorization below)
Fertility drugs, oral or injectable, including those provided in a physician's office.

Injectable drugs or products (recombinant DNA & Purified Bilological Products)

$5 per generic – 30 day supply or 100 units whichever is less
$15 per brand – 30 day supply or 100 units whichever is less

Mail order
$10 per generic – 90 day supply or 300 units whichever is less.

$30 per brand – 90 day supply or 300 units whichever is less

Note: If there is no generic equivalent available, you will still have to pay the
brand name copay.

50% of all charges for Fertility Drugs
10% of all charges for DNA & Purified biological Products

Covered medications and supplies --continued on next page 43
43 Page 44 45
2002 Presbyterian Health Plan 44 Section 5( f)
Covered medications and supplies (continued) You pay
Here are some things to keep in mind about our prescription drug program:
A generic equivalent will be dispensed if it is available, unless your physician specifically requires a name brand. If you receive a name

brand drug when a Federally-approved generic drug is available, and your physician has not specifically Dispense as Written for the name
brand drug, you have to pay the difference in cost between the name brand drug and the generic.

Not covered:
Drugs and supplies for cosmetic purposes
Drugs to enhance athletic performance
Drugs obtained at a non-Plan pharmacy; except for out-of-area emergencies

Vitamins, nutrients and food supplements that can be purchased without a prescription
Replacement prescriptions resulting from loss, theft, or destruction
Drugs from which there is a nonprescription equivalent available
Medical supplies such as dressings and antiseptics
Smoking cessation drugs and medication, including nicotine patches
Nonprescription medicines

All charges. 44
44 Page 45 46
2002 Presbyterian Health Plan 45 Section 5( g)
Section 5 (g). Special features
Feature Description

Flexible benefits option Under the flexible benefits option, we determine the most effective way to provide services.
We may identify medically appropriate alternatives to traditional care and coordinate other benefits as a less costly alternative benefit.

Alternative benefits are subject to our ongoing review.
By approving an alternative benefit, we cannot guarantee you will get it in the future.

The decision to offer an alternative benefit is solely ours, and we may withdraw it at any time and resume regular contract benefits.
Our decision to offer or withdraw alternative benefits is not subject to OPM review under the disputed claims process.

Services for deaf and hearing impaired Contact Member services at 1-800-356-2219 or 505-923-5678 and indicate that you require services.

High risk pregnancies PRESiouis Beginnings is a statewide program that determines high risk pregnancies and offers care management, literature and use of videos. Peri-Natal nurses are available for questions Monday through Friday 8: 30A to
5: 00P to assist with high-risk pregnancy questions. For additional information, call 1-505-724-6500 45
45 Page 46 47
2002 Presbyterian Health Plan 46 Section 5( h)
Section 5 (h). Dental benefits
I M
P O
R T
A N
T

Here are some important things to keep in mind about these benefits:
Please remember that all benefits are subject to the definitions, limitations, and exclusions in this brochure and are payable only when we determine they are medically necessary.

Plan dentists must provide or arrange your care.
We have no calendar year deductible.
We cover hospitalization for dental procedures only when a nondental physical impairment exists which makes hospitalization necessary to safeguard the health of the patient; we do not cover the dental procedure unless it is

described below.
Be sure to read Section 4, Your costs for covered services, for valuable information about how cost sharing works. Also read Section 9 about coordinating benefits with other coverage, including with Medicare.

I M
P O
R T
A N
T

Accidental injury benefit You pay
We cover restorative services and supplies necessary to promptly repair (but not replace) sound natural teeth. The need for these services must

result from an accidental injury.
$10 per visit

Dental benefits (Limited) Limited dental services will be provided when preauthorized by us.
Services include but are not limited to the following:
Accidental injury to sound natural teeth. Oral surgery Medically Necessary to treat infections or abscess of

the teeth that involve the fascia or have spread beyond the dental space.
Removal of infected teeth in preparation for certain surgeries or radiation therapy of the head and neck.

Temporomandibular Joint Disorders (TMJ) The treatment of Temporomandibular Joint disorders (TMJ) are subject
to the same conditions and limitations as are applicable to treatment of any other joint in the body. Orthodontics are not covered unless the
TMJ disorder is the result of an injury.

$10 per visit 46
46 Page 47 48
2002 Presbyterian Health Plan 47 Section 5( i)
Section 5 (i). Non-FEHB benefits available to Plan members
The benefits on this page are not part of the FEHB contract or premium, and you cannot file an FEHB disputed claim about them. Fees you pay for these services do not count toward FEHB deductibles or out-of-pocket
maximums.
Dental Source Dental Plan, inc. is a discount referral dental plan available to you if you are enrolled in our plan. You select a dentist from a list of participating dentists throughout the community. Copayments are paid at the
Dental Office at the time services are received.
The Dental Source Dental Plan features no deductibles, no claims forms, no waiting periods, no maximums, and no pre-existing condition exclusions. It is a comprehensive plan including preventive and diagnostic service
restoratives, dentures, oral surgery, endodontists, periodontists, and orthodonics for adults and children. For additional information and customer service call 1-888-862-8659.

ECCA Managed Vision Care is a discount referral vision plan that is automatically available to you if you are enrolled in our Plan through the FEHB Program. It is available at no additional cost and allows for discounts on
Annual Wellness Exams and materials. Services are provided by Eye-Master and other select providers throughout New Mexico. For additional information and customer service call 1-800-340-0129.

A four week health education class on diabetes (including diet) is free to you and $23 for non-members. Preregistration is required. Call 505/ 823-8408. 47
47 Page 48 49
2002 Presbyterian Health Plan 48 Section 6
Section 6. General exclusions --things we don't cover
The exclusions in this section apply to all benefits. Although we may list a specific service as a benefit, we will not cover it unless your Plan doctor determines it is medically necessary to prevent, diagnose, or treat your illness, disease, injury,
or condition and we agree, as discussed under What Services Require Our Prior Approval on page 11.
We do not cover the following:
Care by non-Plan providers except for authorized referrals or emergencies (see Emergency Benefits);
Services, drugs, or supplies you receive while you are not enrolled in this Plan;
Services, drugs, or supplies that are not medically necessary;
Services, drugs, or supplies not required according to accepted standards of medical, dental, or psychiatric practice;
Experimental or investigational procedures, treatments, drugs or devices;
Services, drugs, or supplies related to abortions, except when the life of the mother would be endangered if the fetus were carried to term or when the pregnancy is the result of an act of rape or incest;

Services, drugs, or supplies related to sex transformations; or
Services, drugs, or supplies you receive from a provider or facility barred from the FEHB Program. 48
48 Page 49 50
2002 Presbyterian Health Plan 49 Section 7
Section 7. Filing a claim for covered services
When you see Plan physicians, receive services at Plan hospitals and facilities, or obtain your prescription drugs at Plan pharmacies, you will not have to file claims. Just present your identification card and pay your copayment, coinsurance, or deductible.

You will only need to file a claim when you receive emergency services from non-plan providers. Sometimes these providers bill us directly. Check with the provider. If you need to file the claim, here is the process:

Medical and hospital benefits In most cases, providers and facilities file claims for you. Physicians must file on the form HCFA-1500, Health Insurance Claim Form. Facilities will file on the UB-92 form.
For claims questions and assistance, call us at 1-800-356-2219.
When you must file a claim --such as for out-of-area care --submit it on the HCFA-1500 or a claim form that includes the information shown below. Bills and receipts should be
itemized and show:
Covered member's name and ID number;
Name and address of the physician or facility that provided the service or supply;
Dates you received the services or supplies;
Diagnosis;
Type of each service or supply;
The charge for each service or supply;
A copy of the explanation of benefits, payments, or denial from any primary payer --such as the Medicare Summary Notice (MSN); and

Receipts, if you paid for your services.
Submit your claims to: Presbyterian Health Plan
PO Box 27489 Albuquerque, NM 87125-7489

Prescription drugs If a charge is made to you for covered pharmacy benefits, you must provide proof of such charge with a copy of the pharmacy receipt with the name of the drug, quantity dispensed,
and National Drug Code (NDC) number. Any charge shall be paid only upon receipt of proof satisfactory to the Plan of the occurrence, character and extent of the event and
services for which claim is made.
Submit your claims to: Presbyterian Health Plan
Attn: Pharmacy PO Box 27489
Albuquerque, NM 87125-7489

Deadline for filing your claim Send us all of the documents for your claim as soon as possible. You must submit the claim by December 31 of the year after the year you received the service, unless timely
filing was prevented by administrative operations of Government or legal incapacity, provided the claim was submitted as soon as reasonably possible.

When we need more information Please reply promptly when we ask for additional information. We may delay processing or deny your claim if you do not respond. 49
49 Page 50 51
2002 Presbyterian Health Plan 50 Section 8
Section 8. The disputed claims process
Follow this Federal Employees Health Benefits Program disputed claims process if you disagree with our decision on your claim or request for services, drugs, or supplies – including a request for preauthorization:

Step Description
1
Ask us in writing to reconsider our initial decision. You must: (a) Write to us within 6 months from the date of our decision; and
(b) Send your request to us at: PO Box 27489 Albuquerque, NM 87125-7489; and
(c) Include a statement about why you believe our initial decision was wrong, based on specific benefit provisions in this brochure; and

(d) Include copies of documents that support your claim, such as physicians' letter, operative reports, bills, medical records, and explanation of benefits (EOB) forms.

2 We have 30 days from the date we receive your request to: (a) Pay the claim (or, if applicable, arrange for the health care provider to give you the care); or
(b) Write to you and maintain our denial --go to step 4; or
(c) Ask you or your provider for more information. If we ask your provider, we will send you a copy of our request— go to step 3.

3 You or your provider must send the information so that we receive it within 60 days of our request. We will then decide within 30 more days. If we do not receive the information within 60 days, we will decide within 30 days of the date the information was
due. We will base our decision on the information we already have.
We will write to you with our decision.

4 If you do not agree with our decision, you may ask OPM to review it. You must write to OPM within:
90 days after the date of our letter upholding our initial decision; or
120 days after you first wrote to us --if we did not answer that request in some way within 30 days; or
120 days after we asked for additional information.

Write to OPM at: Office of Personnel Management, Office of Insurance Programs, Contracts Division 3, 1900 E Street, NW, Washington, DC 20415-3630. 50
50 Page 51 52
2002 Presbyterian Health Plan 51 Section 8
The Disputed Claims process (Continued)
Send OPM the following information:
" A statement about why you believe our decision was wrong, based on specific benefit provisions in this
brochure;
" Copies of documents that support your claim, such as physicians' letters, operative reports, bills, medical records,
and explanation of benefits (EOB) forms;
" Copies of all letters you sent to us about the claim;
" Copies of all letters we sent to you about the claim; and
" Your daytime phone number and the best time to call.

Note: If you want OPM to review different claims, you must clearly identify which documents apply to which claim.
Note: You are the only person who has a right to file a disputed claim with OPM. Parties acting as your representative, such as medical providers, must include a copy of your specific written consent with the review

request.
Note: The above deadlines may be extended if you show that you were unable to meet the deadline because of reasons beyond your control.

5 OPM will review your disputed claim request and will use the information it collects from you and us to decide whether our decision is correct. OPM will send you a final decision within 60 days. There are no other administrative appeals.

6 If you do not agree with OPM's decision, your only recourse is to sue. If you decide to sue, you must file the suit against OPM in Federal court by December 31 of the third year after the year in which you received the disputed services, drugs, or supplies or from the year in which you were denied precertification or prior approval. This is the
only deadline that may not be extended.
OPM may disclose the information it collects during the review process to support their disputed claim decision. This information will become part of the court record.

You may not sue until you have completed the disputed claims process. Further, Federal law governs your lawsuit, benefits, and payment of benefits. The Federal court will base its review on the record that was before OPM when
OPM decided to uphold or overturn our decision. You may recover only the amount of benefits in dispute.

NOTE: If you have a serious or life threatening condition (one that may cause permanent loss of bodily functions or death if not treated as soon as possible), and
(a) We haven't responded yet to your initial request for care or preauthorization/ prior approval, then call us at 800/ 356-2219 and we will expedite our review; or
(b) We denied your initial request for care or preauthorization/ prior approval, then:
If we expedite our review and maintain our denial, we will inform OPM so that they can give your claim expedited treatment too, or

You can call OPM's Health Benefits Contracts Division 3 at 202/ 606-0737 between 8 a. m. and 5 p. m. eastern time. 51
51 Page 52 53
2002 Presbyterian Health Plan 52 Section 9
Section 9. Coordinating benefits with other coverage
When you have other health coverage
You must tell us if you are covered or a family member is covered under another group health plan or have automobile insurance that pays health care expenses without regard to
fault. This is called "double coverage."
When you have double coverage, one plan normally pays its benefits in full as the primary payer and the other plan pays a reduced benefit as the secondary payer. We, like other
insurers, determine which coverage is primary according to the National Association of Insurance Commissioners' guidelines.

When we are the primary payer, we will pay the benefits described in this brochure.
When we are the secondary payer, we will determine our allowance. After the primary plan pays, we will pay what is left of our allowance, up to our regular benefit. We will
not pay more than our allowance.

What is Medicare? Medicare is a Health Insurance Program for:
People 65 years of age and older.
Some people with disabilities, under 65 years of age.
People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant).

Medicare has two parts:
Part A (Hospital Insurance). Most people do not have to pay for Part A. If you or your spouse worked for at least 10 years in Medicare-covered employment, you

should be able to qualify for premium-free Part A insurance. (Someone who was a Federal employee on January 1, 1983 or since automatically qualifies.) Otherwise, if
you are age 65 or older, you may be able to buy it. Contact 1-800-MEDICARE for more information.

Part B (Medical Insurance). Most people pay monthly for Part B. Generally, Part B premiums are withheld from your monthly Social Security check or your retirement
check.
If you are eligible for Medicare, you may have choices in how you get your health care. Medicare + Choice is the term used to describe the various health plan choices available
to Medicare beneficiaries. The information in the next few pages shows how we coordinate benefits with Medicare, depending on the type of Medicare managed care plan
you have.
The Original Medicare Plan (Original Medicare) is available everywhere in the United States. It is the way everyone used to get Medicare benefits and is the way most people
get their Medicare Part A and Part B benefits now. You may go to any doctor, specialist, or hospital that accepts Medicare. The Original Medicare Plan pays its share and you pay
your share. Some things are not covered under Original Medicare, like prescription drugs.

When you are enrolled in Original Medicare along with this Plan, you still need to follow the rules in this brochure for us to cover your care. Your care must continue to be
authorized by your Plan PCP, or precertified as required. (Primary payer chart begins on next page.)

The Original Medicare Plan (Part A or Part B) 52
52 Page 53 54
2002 Presbyterian Health Plan 53 Section 9
The following chart illustrates whether the Original Medicare Plan or this Plan should be the primary payer for you according to your employment status and other factors determined by Medicare. It is critical that you tell us if you or a covered family member
has Medicare coverage so we can administer these requirements correctly.
Primary Payer Chart

A. When either you --or your covered spouse --are age 65 or over and … Then the primary payer is…

Original Medicare This Plan
1) Are anactiveemployeewith theFederalgovernment(including whenyouora familymemberare eligibleforMedicaresolely becauseofadisability), #

2) Are an annuitant, #
3) Are a reemploy annuitant with the Federal government when…
a) The position is excluded from FEHB, or
b) The position is not excluded from FEHB

#

#
4) Are a Federal judge who retired under title 28, U. S. C., or a Tax Court judge who retired under Section 7447 of title 26, U. S. C. (or if your
covered spouse is this type of judge), #
5) Are enrolled in Part B only, regardless of your employment status, # (for Part B services) # (for other services)
(6) Are a former Federal employee receiving Workers' Compensation and the Office of Workers' Compensation Programs has determined
that you are unable to return to duty,

#
(except for claims related to Workers'

Compensation.)
B. When you --or a covered family member --have Medicare based on end stage renal disease (ESRD) and…

1) Are within the first 30 months of eligibility to receive Part A benefits solely because of ESRD, #
2) Have completed the 30-month ESRD coordination period and are still eligible for Medicare due to ESRD, #
3) Become eligible for Medicare due to ESRD after Medicare became primary for you under another provision, #
C. When you or a covered family member have FEHB and…
1) Are eligible for Medicare based on disability, and
a) Are an annuitant, or #

b) Are an active employee, or #
c) Are a former spouse of an annuitant, or #
d) Are a former spouse of an active employee #

Please note, if your Plan physician does not participate in Medicare, you will have to file a claim with Medicare 53
53 Page 54 55

2002 Presbyterian Health Plan 54 Section 9
Claims process when you have the Original Medicare Plan --You probably will never have to file a claim form when you have both our Plan and the Original Medicare Plan.
" When we are the primary payer, we process the claim first.
" When Original Medicare is the primary payer, Medicare processes your claim first.
In most cases, your claims will be coordinated automatically and we will pay the balance of covered charges. You will not need to do anything. To find out if you

need to do something about filing your claims, call us at 800/ 356-2219.

Medicare managed care plan If you are eligible for Medicare, you may choose to enroll in and get your Medicare benefits from another type of Medicare+ Choice plan --a Medicare managed care plan.
These are health care choices (like HMOs) in some areas of the country. In most Medicare managed care plans, you can only go to doctors, specialists, or hospitals that are
part of the plan. Medicare managed care plans provide all the benefits that Original Medicare covers. Some cover extras, like prescription drugs. To learn more about
enrolling in a Medicare managed care plan, contact Medicare at 1-800-MEDICARE (1-800-633-4227) or at www. medicare. gov.

If you enroll in a Medicare managed care plan, the following options are available to you:
This Plan and our Medicare managed care plan: You may enroll in our Medicare managed care plan and also remain enrolled in our FEHB plan. In this case, we do not
waive any of our copayments, coinsurance, or deductibles for your FEHB coverage.
This Plan and another plan's Medicare managed care plan: You may enroll in another plan's Medicare managed care plan and also remain enrolled in our FEHB plan.
We will still provide benefits when your Medicare managed care plan is primary, but we will not waive any of our copayments, coinsurance, or deductibles. You must use our
provider network to receive secondary benefits from us. If you enroll in a Medicare managed care plan, tell us. We will need to know whether you are in the Original
Medicare Plan or in a Medicare managed care plan so we can correctly coordinate benefits with Medicare.

Suspended FEHB coverage to enroll in a Medicare managed care plan: If you are an annuitant or former spouse, you can suspend your FEHB coverage to enroll in a Medicare
managed care plan, eliminating your FEHB premium. (OPM does not contribute to your Medicare managed care plan premium.) For information on suspending your FEHB
enrollment, contact your retirement office. If you later want to re-enroll in the FEHB Program, generally you may do so only at the next open season unless you involuntarily
lose coverage or move out of the Medicare managed care plan's service area.
If you do not enroll in If you do not have one or both parts of Medicare, you can still be covered under Medicare Part A or Part B the FEHB Program. We will not require you to enroll in Medicare Part B and,
if you can't get premium-free Part A, we will not ask you to enroll in it. 54
54 Page 55 56
2002 Presbyterian Health Plan 55 Section 9
TRICARE TRICARE is the health care program for eligible dependents of military persons and retirees of the military. TRICARE includes the CHAMPUS program. If both TRICARE
and this Plan cover you, we pay first. See your TRICARE Health Benefits Advisor if you have questions about TRICARE coverage.

Workers' Compensation We do not cover services that:
you need because of a workplace-related illness or injury that the Office of Workers' Compensation Programs (OWCP) or a similar Federal or State agency determines they

must provide; or
OWCP or a similar agency pays for through a third party injury settlement or other similar proceeding that is based on a claim you filed under OWCP or similar laws.

Once OWCP or similar agency pays its maximum benefits for your treatment, we will cover your care. You must use our providers.

Medicaid When you have this Plan and Medicaid, we pay first.
When other Government agencies We do not cover services and supplies when a local, State, or Federal Government are responsible for your care agency directly or indirectly pays for them.

When others are responsible When you receive money to compensate you for medical or hospital care for injuries or for injuries illness caused by another person, you must reimburse us for any expenses we paid.
However, we will cover the cost of treatment that exceeds the amount you received in the settlement.

If you do not seek damages you must agree to let us try. This is called subrogation. If you need more information, contact us for our subrogation procedures. 55
55 Page 56 57
2002 Presbyterian Health Plan 56 Section 10
Section 10. Definitions of terms we use in this brochure
Calendar year
January 1 through December 31 of the same year. For new enrollees, the calendar year begins on the effective date of their enrollment and ends on December 31 of the same

year.

Coinsurance Coinsurance is the percentage of our allowance that you must pay for your care. See page 12.

Copayment A copayment is a fixed amount of money you pay when you receive covered services. See page 12.

Covered services Care we provide benefits for, as described in this brochure.
Custodial care Care provided primarily for maintenance of the patient and designed essentially to assist in meeting the patient's daily activities. It is not provided for its therapeutic value in the
treatment of an illness, disease, accidental injury, or condition. Custodial Care includes, but is not limited to, help in walking, bathing, dressing, eating, preparation of special
diets, and supervision over self-administation of medication not requiring the constant attention of trained medical personnel.

The plan evaluates any new procedures, drug therapies, treatments, devices, etc. To determine if they are experimental/ investigational in nature. This evaluation includes
review of current literature published in peer review journals and appropriate information from governmental regulatory bodies, such as the FDA. We also utilize reliable evidence
(consensus of opinion in the medical community) to determine if the procedure, drug therapies, treatments, devices, etc. is contraindicated for the particular indication which it
has been prescribed. Please contact the plan for a more detailed explanation of this evaluation process.

Medical necessity Appropriate or necessary services as determined by our plan doctor in consultation with the plan, which are given to you for any covered condition requiring, according to
generally accepted principles of good medical practice, the diagnosis or direct care and treatment of an illness, injury, or medical condition, and are not services provided only as a

convenience.
Plan allowance Plan allowance is the amount we use to determine our payment and your coinsurance for covered services. Fee-for-service plans determine their allowances in different ways. We
determine our allowance as follows: Total allowable charges for plan providers may not exceed the amount the provider service and for non-plan providers, the total allowable
charges may not exceed the plan allowance as determined by the plan for a service.

Us/ We Us and we refer to Presbyterian Health Plan
You You refers to the enrollee and each covered family member.

Experimental or investigational services 56
56 Page 57 58

2002 Presbyterian Health Plan 57 Section 11
Section 11. FEHB facts
No pre-existing condition
We will not refuse to cover the treatment of a condition that you had limitation before you enrolled in this Plan solely because you had the condition before you
enrolled.
Where you can get information See www. opm. gov/ insure. Also, your employing or about enrolling in the retirement office can answer your questions, and give you a Guide to Federal
Employees
FEHB Program Health Benefits Plans, brochures for other plans, and other materials you need to make an informed decision about:

When you may change your enrollment;
How you can cover your family members;
What happens when you transfer to another Federal agency, go on leave without pay, enter military service, or retire;

When your enrollment ends; and
When the next open season for enrollment begins.
We don't determine who is eligible for coverage and, in most cases, cannot change your enrollment status without information from your employing or

retirement office.

Types of coverage available Self Only coverage is for you alone. Self and Family coverage is for for you and your family you, your spouse, and your unmarried dependent children under age 22,
including any foster children or stepchildren your employing or retirement office authorizes coverage for. Under certain circumstances, you may also continue
coverage for a disabled child 22 years of age or older who is incapable of self-support.

If you have a Self Only enrollment, you may change to a Self and Family enrollment if you marry, give birth, or add a child to your family. You may
change your enrollment 31 days before to 60 days after that event. The Self and Family enrollment begins on the first day of the pay period in which the child is
born or becomes an eligible family member. When you change to Self and Family because you marry, the change is effective on the first day of the pay
period that begins after your employing office receives your enrollment form; benefits will not be available to your spouse until you marry.

Your employing or retirement office will not notify you when a family member is no longer eligible to receive health benefits, nor will we. Please tell us
immediately when you add or remove family members from your coverage for any reason, including divorce, or when your child under age 22 marries or turns
22.
If you or one of your family members is enrolled in one FEHB plan, that person may not be enrolled in or covered as a family member by another FEHB plan. 57
57 Page 58 59
2002 Presbyterian Health Plan 58 Section 11
When benefits and The benefits in this brochure are effective on January 1. If you joined this Plan premiums start during Open Season, your coverage begins on the first day of your first pay
period that starts on or after January 1. Annuitants' coverage and premiums begin on January 1. If you joined at any other time during the year, your
employing office will tell you the effective date of coverage.

Your medical and claims We will keep your medical and claims information confidential. Only the records are confidential following will have access to it:
OPM, this Plan, and subcontractors when they administer this contract;
This Plan and appropriate third parties, such as other insurance plans and the Office of Workers' Compensation Programs (OWCP), when coordinating

benefit payments and subrogating claims;
Law enforcement officials when investigating and/ or prosecuting alleged civil or criminal actions;

OPM and the General Accounting Office when conducting audits;
Individuals involved in bona fide medical research or education that does not disclose your identity; or

OPM, when reviewing a disputed claim or defending litigation about a claim.
When you retire When you retire, you can usually stay in the FEHB Program. Generally, you must have been enrolled in the FEHB Program for the last five years of your
Federal service. If you do not meet this requirement, you may be eligible for other forms of coverage, such as temporary continuation of coverage (TCC).

When you lose benefits
When FEHB coverage ends You will receive an additional 31 days of coverage, for no additional premium, when:

Your enrollment ends, unless you cancel your enrollment, or
You are a family member no longer eligible for coverage.
You may be eligible for spouse equity coverage or Temporary Continuation of Coverage.

Spouse equity If you are divorced from a Federal employee or annuitant, you may not coverage continue to get benefits under your former spouse's enrollment. But, you may be
eligible for your own FEHB coverage under the spouse equity law. If you are recently divorced or are anticipating a divorce, contact your ex-spouse's
employing or retirement office to get RI 70-5, the Guide to Federal Employees Health Benefits Plans for Temporary Continuation of Coverage and Former
Spouse Enrollees,
or other information about your coverage choices.
Temporary Continuation If you leave Federal service, or if you lose coverage because you no longer of Coverage (TCC) qualify as family member, you may be eligible for Temporary Continuation of
Coverage (TCC). For example, you can receive TCC if you are not able to continue your FEHB enrollment after you retire, if you lose your job, if you are a
covered dependent child and you turn 22 or marry, etc 58
58 Page 59 60

2002 Presbyterian Health Plan 59 Section 11
You may not elect TCC if you are fired from your Federal job due to gross misconduct.
Enrolling in TCC. Get the RI 79-27, which describes TCC, and the RI 70-5, the Guide to Federal Employees Health Benefits Plans for Temporary
Continuation of Coverage and Former Spouse Enrollees,
from your employing or retirement office or from www. opm. gov/ insure. It explains what you have to
do to enroll.

Converting to You may convert to a non-FEHB individual policy if: individual coverage
Your coverage under TCC or the spouse equity law ends (If you canceled your coverage or did not pay your premium, you cannot convert);

You decided not to receive coverage under TCC or the spouse equity law; or
You are not eligible for coverage under TCC or the spouse equity law.
If you leave Federal service, your employing office will notify you of your right to convert. You must apply in writing to us within 31 days after you receive this

notice. However, if you are a family member who is losing coverage, the employing or retirement office will not notify you. You must apply in writing to
us within 31 days after you are no longer eligible for coverage.
Your benefits and rates will differ from those under the FEHB Program; however, you will not have to answer questions about your health, and we will
not impose a waiting period or limit your coverage due to pre-existing conditions.

Getting a Certificate of The Health Insurance Portability and Accountability of 1996 (HIPAA) is a Group Health Plan Coverage Federal law that offers limited Federal protections for health coverage
availability and continuity to people who lose employer group coverage. If you leave the FEHB Program, we will give you a Certificate of Group Health Plan
Coverage that indicates how long you have been enrolled with us. You can use this certificate when getting health insurance or other health care coverage.
Your new plan must reduce or eliminate waiting periods, limitations, or exclusions for health related conditions based on the information in the
certificate, as long as you enroll within 63 days of losing coverage under this Plan. If you have been enrolled with us for less than 12 months, but were
previously enrolled in other FEHB plans, you may also request a certificate from those plans.

For more information, get OPM pamphlet RI 79-27, Temporary Continuation of Coverage (TCC) under the FEHB Program. See also the FEHB web site
(www. opm. gov/ insure/ health); refer to the "TCC and HIPAA" frequently asked question. These highlight HIPAA rules, such as the requirement that Federal
employees must exhaust any TCC eligibility as one condition for guaranteed access to individual health coverage under HIPAA, and have information about
Federal and State agencies you can contact for more information. 59
59 Page 60 61

2002 Presbyterian Health Plan 60 Long Term Care Insurance
Long Term Care Insurance Is Coming Later in 2002!
The Office of Personnel Management (OPM) will sponsor a high-quality long-term care insurance program effective in October 2002. As part of its educational effort, OPM asks you to consider these questions:
It's insurance to help pay for long term care services you may need if you can't take care of yourself because of an extended illness or injury, or an
age-related disease such as Alzheimer's. LTC insurance can provide broad, flexible benefits for nursing home care,
care in an assisted living facility, care in your home, adult day care, hospice care, and more. LTC insurance can supplement care provided by family
members, reducing the burden you place on them.
Welcome to the club! 76% of Americans believe they will never need long term care, but the facts
are that about half them will. And it's not just the old folks. About 40% of people needing long-term care are under age 65. They may need chronic
care due to a serious accident, a stroke, or developing multiple sclerosis, etc. We hope you will never need long term care, but everyone should have a
plan just in case. Many people now consider long term care insurance to be vital to their financial and retirement planning.

Yes, it can be very expensive. A year in a nursing home can exceed $50,000. Home care for only three 8-hour shifts a week can exceed
$20,000 a year. And that's before inflation! Long term care can easily exhaust your savings. Long-term care insurance
can protect your savings.
Not FEHB. Look at the "Not covered" blocks in sections 5( a) and 5( c) of
your FEHB brochure. Health plans don't cover custodial care or a stay in an assisted living facility or a continuing need for a home health aide to help
you get in and out of bed and with other activities of daily living. Limited stays in skilled nursing facilities can be covered in some circumstances.
Medicare only covers skilled nursing home care (the highest level of nursing care) after a hospitalization for those who are blind, age 65 or older or fully
disabled. It also has a 100-day limit. Medicaid covers long term care for those who meet their state's poverty
guidelines, but has restrictions on covered services and where they can be received. Long-term care insurance can provide choices of care and
preserve your independence.
Employees will get more information from their agencies during the LTC open enrollment period in the late summer/ early fall of 2002.
Retirees will receive information at home. Our toll-free teleservice center will begin in mid-2002. In the meantime,
you can learn more about the program on our web site at www. opm. gov/ insure/ ltc.

Many FEHB enrollees think that their health plan and/ or Medicare will cover their long-term care needs. Unfortunately, they are WRONG!
How are YOU planning to pay for the future custodial or chronic care you may need? You should consider buying long-term care insurance.

What is long term care (LTC) insurance?

I'm healthy. I won't need long term care. Or, will I?

Is long term care expensive?
But won't my FEHB plan, Medicare or Medicaid cover
my long term care?

When will I get more information on how to apply for this new
insurance coverage?
How can I find out more about the program NOW?
60
60 Page 61 62
2002 Presbyterian Health Plan 61 Index
Index Do not rely on this page; it is for your convenience and may not show all pages where the terms appear.
Accidental injury 46 Allergy tests 18
Alternative treatment 25 Allogenetic (donor) bone marrow transplant 29
Ambulance 35 Anesthesia 30
Autologous bone marrow transplant 29 Biopsies 26
Blood and blood plasma 33 Breast cancer screening 15
Casts 33 Changes for 2002 8
Chemotherapy 19 Childbirth 17
Chiropractic 24 Cholesterol tests 15
Claims 49 Coinsurance 12
Colorectal cancer screening 15 Congenital anomalies 26
Contraceptive devices and drugs 17 Coordination of benefits 52
Covered charges 56 Crutches 23
Deductible 12 Definitions 56
Dental care 46 Diagnostic services 14
Disputed claims review 50 Donor expenses (transplants) 29
Dressings 32 Durable medical equipment (DME) 23
Educational classes and programs 25 Emergency 36
Eyeglasses 21 Family planning 17
Fecal occult blood test 15

General Exclusions 48 Hearing services 21
Home health services 23 Hospice care 34
Home nursing care 23 Hospital 31
Immunizations 16 Infertility 18
Inpatient Hospital Benefits 31 Insulin 43
Laboratory and pathological services 15
Magnetic Resonance Imagings (MRIs) 15
Mail Order Prescription Drugs 43 Mammograms 16
Maternity Benefits 17 Medicaid 55
Medically necessary 56 Medicare 52
Mental Conditions/ Substance Abuse Benefits 39
Newborn care 17 Non-FEHB Benefits 47
Nurse Licensed Practical Nurse 23
Registered Nurse 23 Nursery charges 17
Obstetrical care 17 Occupational therapy 20
Ocular injury 21 Oral and maxillofacial surgery 28
Orthopedic devices 22 Out-of-pocket expenses 12
Outpatient facility care 33 Oxygen 23
Pap test 15

Physical therapy 20 Physician 14
Preventive care, adult 15 Preventive care, children 16
Prescription drugs 41 Preventive services 15
Prior approval 11 Prostate cancer screening 15
Prosthetic devices 22 Psychologist 39
Renal dialysis 52 Room and board 31
Second surgical opinion 14 Skilled nursing facility care 33
Smoking cessation 44 Speech therapy 20
Splints 32 Sterilization procedures 17
Subrogation 55 Substance abuse 39
Surgery 26 Anesthesia 30
Oral 28 Outpatient 33
Reconstructive 27 Syringes 43
Temporary continuation of coverage 58
Transplants 29 Treatment therapies 19
Vision services 21 Well child care 16
Wheelchairs 23 Workers' compensation 55
X-rays 15 61
61 Page 62 63
2002 Presbyterian Health Plan 62 Summary
Summary of benefits for the Presbyterian Health Plan -2002
Do not rely on this chart alone. All benefits are provided in full unless indicated and are subject to the definitions, limitations, and exclusions in this brochure. On this page, we summarize specific expenses we cover; for more detail,
look inside.
If you want to enroll or change your enrollment in this Plan, be sure to put the correct enrollment code from the cover on your enrollment form.

We only cover services provided or arranged by Plan physicians, except in emergencies.
Benefits You Pay Page
Medical services provided by physicians:
Diagnostic and treatment services provided in the office.............. Office visit copay: $10 primary care 14

Services provided by a hospital:
Inpatient .......................................................................................
Outpatient.....................................................................................

Nothing
Nothing

31

33
Emergency benefits:
In-area .........................................................................................
Out-of-area..................................................................................

$25 outpatient hospital visit
$15 urgent care center
$10 doctor's office

38
38

Mental health and substance abuse treatment........................................ Regular cost sharing. 39
Prescription drugs ................................................................................. $5 formulary generic
$15 formulary brand name and non-formulary
41

Dental Care ....................................................................................... Limited benefit.
$10 per visit
46

Vision Care ....................................................................................... 20% of all charges (materials)
$10 per office visit (eye exam for children).
21

Special Features: Flexible benefits option; Services for deaf and
Hearing impaired, high risk pregnancies 45
Protection against catastrophic costs (your out-of-pocket maximum)......................................................... Nothing after $2,000/ Self Only or $4,000/ Family enrollment per year

Some costs do not count toward this protection
12 62
62 Page 63
2002 Presbyterian Health Plan
2002 Rate Information for
Presbyterian Health Plan

Non-Postal rates apply to most non-Postal enrollees. If you are in a special enrollment category, refer to the FEHB Guide for that category or contact the agency that maintains your health benefits enrollment.

Postal rates apply to career Postal Service employees. Most employees should refer to the FEHB Guide for United States Postal Service Employees, RI 70-2. Different postal rates apply and special FEHB guides are
published for Postal Service Nurses, RI 70-2B; and for Postal Service Inspectors and Office of Inspector General (OIG) employees (see RI 70-2IN).

Postal rates do not apply to non-career postal employees, postal retirees, or associate members of any postal employee organization who are not career postal employees. Refer to the applicable FEHB Guide.

Non-Postal Premium Postal Premium
Biweekly Monthly Biweekly
Type of Enrollment Code Gov't Share Your Share Gov't Share Your Share USPS Share Your Share

All Counties of New Mexico, except for Otero and Southern Eddy County
Self Only P21 $81.34 $27.11 $ 176.24 $58.74 $96.25 $12.20

Self and Family P22 $212.12 $70.71 $459.60 $153.20 $251.01 $31.82 63

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