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Table of Contents

1. LETTER TO PARTICIPANTS
2. CLASSES ELIGIBLE FOR COVERAGE
3. ELIGIBILITY FOR BENEFITS
4. CONTINUATION OF ELIGIBILITY
5. SELF-PAY
6. CREDIT
7. METHOD OF PAYMENT
8. NOT AVAILABLE FOR WORK
9. TERMINATION OF COVERAGE
10. DEFINITIONS
11. GENERAL EXCLUSIONS
12. SCHEDULE OF BENEFITS
13. HOSPITAL COVERAGE
14. MEDICAL BENEFITS
15. MAGNACARE
16. PRESCRIPTION DRUG PROGRAM
17. PRESCRIPTIONS BY MAIL
18. PRESCRIPTION DRUG COVERAGE AND MEDICARE
19. EMPLOYEE ASSISTANCE PROGRAM
20. ACCIDENTAL DEATH AND DISMEMBERMENT BENEFITS
21. DEATH BENEFITS (Stage 2)
22. DENTAL BENEFITS (Stage 2)
23. SCHEDULE OF COVERED DENTAL PROCEDURES
24. EXTENSION OF BENEFITS
25. PREFERRED PROVIDER ORGANIZATION DENTAL PLAN (P.P.O.)
26. VISION CARE BENEFIT FOR PARTICIPANTS (Stage 2)
27. HEARING CARE BENEFIT FOR PARTICIPANTS (Stage 2)
28. MEDICAL REIMBURSEMENT ACCOUNT
29. GENERAL PROVISIONS
30. MEDICARE
31. MEDICARE FOR ELIGIBLE RETIREES ONLY
32. RIGHT OF RECOVERY
33. IMPORTANT NOTICE TO ELIGIBLE PARTICIPANTS ON CONTINUATION OF COVERAGE (COBRA) LAW
34. YOUR RIGHTS UNDER ERISA
35. STATEMENT OF PRIVACY PRACTICES
36. STATEMENT OF ERISA RIGHTS
37. COMMUNICATIONS
38. PLAN INTERPRETATIONS AND DETERMINATION
39. CAUTION