4.  How are pre-existing conditions treated?

    A PRE-EXISTING CONDITION is any condition which manifested itself in a 
    manner that would cause an ordinarily prudent person to seek medical 
    advice, diagnosis, care, or treatment, or for which medical advice,
    diagnosis, care, or treatment was recommended or received for that 
    condition during the six month period immediately preceding the effective
    date of the Covered Person's coverage, as noted below.

    Pregnancy is a pre-existing condition when inception of the pregnancy
    preceded the effective date of the pregnant Covered Person's coverage,
    regardless of whether the pregnant Covered Person knew she was pregnant
    prior to the effective date.

    QUALIFYING PREVIOUS COVERAGE OR QUALIFYING EXISTING COVERAGE means coverage
    which is continuous to a date within 30 days of the effective date of
    coverage under this Group Plan, exclusive of any waiting period, and which
    was provided under either an employer-based health insurance or health
    benefit arrangement, or an individual health insurance policy that has been
    in effect for at least one year, including coverage issued by a health
    maintenance organization, a fraternal benefit society or a multiple 
    employer welfare arrangement, that provides benefits similar to or 
    exceeding the benefits of the Basic or Standard Plan, whichever is being 
    considered.
    The INITIAL ENROLLMENT PERIOD is the period of time during which an 
    employee or dependent is first eligible to enroll. It starts on the 
    employee's initial date of eligibility and ends 30 days later.

    The ANNUAL OPEN ENROLLMENT PERIOD is an annual thirty day period, beginning
    30 days prior to the anniversary date of the employer's program, during
    which (a) if the employer has established and maintained more than one
    health coverage plan for his or her employees, an employee who had elected
    another plan, and maintained coverage under the plan up to the beginning
    of the Annual Open Enrollment Period, can change to this Group Plan;
    (b) Employees who decided not to enroll themselves and/or their eligible
    dependents for coverage under this group plan during the Initial Enrollment
    Period can enroll, subject to the delayed coverage rules explained in the
    Late Enrollee Provision.

    ENROLLMENT OF AN EMPLOYEE DURING THE INITIAL ENROLLMENT OR ANNUAL OPEN
    ENROLLMENT PERIOD: If there is employer-based qualifying previous
    coverage, a Covered Person will be given credit for the partial 
    satisfaction of a pre-existing condition limitation waiting period if that
    person was subject to a pre-existing condition limitation under the 
    previous coverage and had not satisfied a 12 month pre-existing condition
    waiting period. This is also true if the employee is covered under another
    employer-based plan until the Annual Open Enrollment Period of this plan,
    and then enrolls in this plan. If qualifying previous coverage, whether
    employer-based or individual, has been in effect for 12 months or more, 
    then the Covered Person will not be subject to a pre-existing condition
    limitation.

    If there is no qualifying previous coverage:
    -IF THE EMPLOYER HAS 3 OR MORE EMPLOYEES, conditions which manifested
     themselves or were treated within the 6 months immediately before the
     Covered Person's effective date will be considered pre-existing and will
     not be covered until the Covered Person has been insured under this group 
     plan for 12 consecutive months.
    -IF THE EMPLOYER HAS FEWER THAN 3 EMPLOYEES, conditions which manifested
     themselves or were treated within the 24 months immediately preceding the
     Covered Person's effective date will be considered pre-existing and will
     not be covered until the Covered Person has been insured under this group
     plan for 24 consecutive months.

     Please note that group size is redetermined annually on the renewal date.

     SPECIAL ENROLLMENT PERIOD: An eligible employee requesting enrollment 
     under this Group Plan outside of the Initial Enrollment and Annual Open
     Enrollment Periods will not be considered a late enrollee if (a) they were
     covered elsewhere under an employer-provided plan, when initially
     eligible for this plan; (b) says in writing that the other plan was the 
     reason for declining to be covered under this plan; (c) shows loss of the
     other coverage within the past 30 days because of termination of 
     employment, change in employment status that impacts benefits, termination
     of the other plan's coverage, or death of a spouse; and (d) requests 
     enrollment within 30 days after termination of coverage under another 
     employer health plan. They will also not be considered a late entrant if 
     a court orders a spouse or minor child to be covered under the Covered 
     Employee's plan, and this is requested within 30 days of the issuance of 
     the court order.

5.  Are there exclusions or limitations that affect the benefit provisions of
    the plan?

    The following medical care expenses are not covered or are covered only to
    a limited extent:

    *Occupational Injury    **Routine Physical Exams       *Body Distortion

    *Occupational Sickness  **Immunizations                *Dental Services
                                                            (if Dental Benefit
                                                             not elected)

    *Government Services     *Hearing Care                 *Vision Care    

     Services for Which      *Overseas Business Travel      Voluntary Abortions
     Payment Is Not
     Required

     Services by Employer     War Conditions                Infertility    
     or Relatives

    *Cosmetic Surgery         Specified Drugs               Sterilization  
     and Treatment            and Substances

    *Foot Care                Care Which Is Not                             
                              Appropriate

     Custodial Care           Experimental or                                
                              Investigational Care

                              Educational or                                
                              Training Care

                             *Weekend Hospital Admissions                   

    ___________________________________________________________________________
    * Only covered in certain specified circumstances, or, coverage is limited.
    ** Not covered except under the provisions of the Florida Child Health
       Supervision Services and the Preventive Care Option.


6.  Can the choice of benefits affect the cost of the plan?

    The amount of benefits provided depends upon the plan selected and premiums
    will vary with the amount of the benefits selected.
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