the following services are excluded from coverage
regardless of clinical indications: acupressure;
craniosacral/cranial therapy; dance therapy; movement
therapy; applied kinesiology; rolfing; prolotherapy; and
extracorporeal shock wave lithotripsy (ESWL) for
musculoskeletal and orthopedic conditions.
dental treatment of the teeth, gums or structures directly
supporting the teeth, including dental X-rays, examinations,
repairs, orthodontics, periodontics, casts, splints and
services for dental malocclusion, for any condition. Charges
made for services or supplies provided for or in connection
with an accidental Injury to teeth are covered provided a
continuous course of dental treatment is started within
twelve months of an accident. Additionally, charges made
by a Physician for any of the following Surgical Procedures
are covered: excision of unerupted impacted tooth,
including removal of alveolar bone and sectioning of tooth;
removal of residual root (when performed by a Dentist other
than the one who extracted the tooth).
medical and surgical services, initial and repeat, intended
for the treatment or control of obesity, except for treatment
of clinically severe (morbid) obesity as shown in Covered
Expenses, including: medical and surgical services to alter
appearance or physical changes that are the result of any
surgery performed for the management of obesity or
clinically severe (morbid) obesity; and weight loss programs
or treatments, whether prescribed or recommended by a
Physician or under medical supervision.
unless otherwise covered in this booklet, for reports,
evaluations, physical examinations, or hospitalization not
required for health reasons, including but not limited to
employment, insurance or government licenses, and court-
ordered, forensic or custodial evaluations.
court-ordered treatment or hospitalization, unless such
treatment is prescribed by a Physician and listed as covered
in this booklet.
any medications, drugs, services or supplies for the
treatment of male or female sexual dysfunction such as, but
not limited to, treatment of erectile dysfunction (including
penile implants), anorgasmy, and premature ejaculation.
medical and Hospital care and costs for the infant child of a
Dependent, unless this infant child is otherwise eligible for
coverage as an eligible Dependent and is timely enrolled in
the Plan.
non-medical counseling and/or ancillary services, including
but not limited to Custodial Services, educational services,
vocational counseling, training and, rehabilitation services,
behavioral training, biofeedback, neurofeedback, hypnosis,
sleep therapy, return to work services, work hardening
programs and driver safety courses.
therapy or treatment intended primarily to improve or
maintain general physical condition or for the purpose of
enhancing job, school, athletic or recreational performance,
including but not limited to routine, long term, or
maintenance care which is provided after the resolution of
the acute medical problem and when significant therapeutic
improvement is not expected.
consumable medical supplies other than ostomy supplies
and urinary catheters. Excluded supplies include, but are not
limited to bandages and other disposable medical supplies,
skin preparations and test strips, except as specified in the
“Home Health Care Services” or “Breast Reconstruction
and Breast Prostheses” sections of this booklet.
private Hospital rooms and/or private duty nursing except as
provided under the Home Health Care Services provision.
personal or comfort items such as personal care kits
provided on admission to a Hospital, television, telephone,
newborn infant photographs, complimentary meals, birth
announcements, and other articles which are not for the
specific treatment of an Injury or Sickness.
artificial aids, including but not limited to corrective
orthopedic shoes, arch supports, elastic stockings, garter
belts, corsets and dentures.
hearing aids, including but not limited to semi-implantable
hearing devices, audiant bone conductors and Bone
Anchored Hearing Aids (BAHAs). A hearing aid is any
device that amplifies sound.
aids or devices that assist with non-verbal communications,
including but not limited to communication boards, pre-
recorded speech devices, laptop computers, desktop
computers, Personal Digital Assistants (PDAs), Braille
typewriters, visual alert systems for the deaf and memory
books.
eyeglass lenses and frames and contact lenses (except for
the first pair of contact lenses or the first set of eyeglass
lenses and frames, and associated services, for treatment of
keratoconus or following cataract surgery).
routine refractions, eye exercises and surgical treatment for
the correction of a refractive error, including radial
keratotomy.
treatment by acupuncture.
all non-injectable prescription drugs, unless Physician
administration or oversight is required, injectable
prescription drugs to the extent they do not require
Physician supervision and are typically considered self-
administered drugs, non-prescription drugs, and
investigational and experimental drugs, except as provided
in this booklet.
membership costs or fees associated with health clubs,
weight loss programs and smoking cessation programs.