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TABLE OF CONTENTS <br /> INTRODUCTION...................................................................................................................................................1 <br /> ELIGIBILITY,FUNDING,EFFECTIVE DATE AND TERNIINATION PROVISIONS................................3 <br /> PLANSELECTION PERIOD................................................................................................................................10 <br /> SCHEDULE OF BENEFITS..................................................................................................................................11 <br />� EMERGENCY ROONUACCIDENT CHARGE BENEFITS ..............................................................................15 <br /> MEDICALBENEFITS...........................................................................................................................................16 <br /> COST MANAGEMENT SERVICES....................................................................................................................21 <br /> DEFINEDTERMS .................................................................................................................................................24 <br /> PLANEXCLUSIONS ............................................................................................................................................30 <br /> PRESCRIPTION DRUG BENEFI'TS....................................................................................................................33 <br /> HOWTO SUBMIT A CLAIM...............................................................................................................................35 <br /> COORDINATION OF BENEFITS........................................................................................................................40 <br /> TFIIRD PARTY RECOVERY PROVISION........................................................................................................43 <br /> COBRA CONTINUATION OPTIONS.................................................................................................................45 <br /> RESPONSIBII.TTIES FOR PLAN ADMINISTRATION....................................................................................50 <br /> GENERALPLAN INFORMATION.....................................................................................................................54 <br />