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<br />with his or her problems (in most cases, this referral takes place <br />after OHS consults with the Member's attending Participating <br />Provider, if any). If after seeing the Participating Provider a <br />Member is dissatisfied with the provider, OHS will provide a <br />referral to its selection of another Participating Provider. In <br />order to be covered under this plan, all Covered Services must be <br />authorized by OHS, provided by Participating Providers, and all <br />referrals to Participating Providers must be arranged by OHS. <br /> <br />Participating Providers include psychiatrists, psychologists, <br />clinical social workers, marriage, family and child counselors, <br />alcohol and drug counselors, tax professionals, legal professionals, <br />financial professionals, and childcare/eldercare coordinators. OHS' <br />roster of Participating Providers is subject to change as new <br />providers contract with OHS and some Participating Provider <br />contracts are terminated. This plan does not and cannot guarantee <br />the initial or continued availability of any particular <br />Participating Provider. <br /> <br />COVERED SERVICES <br /> <br />THIS SECTION DESCRIBES THE SERVICES THAT THIS PLAN COVERS. SEE THE <br />ATTACHED BENEFITS SCHEDULE FOR THE SPECIFIC CO PAYMENTS THAT YOU ARE <br />REQUIRED TO PAY TO THE ATTENDING PROVIDER FOR CERTAIN COVERED <br />SERVICES AND FOR A DESCRIPTION OF CERTAIN BENEFIT LIMITATIONS. SEE <br />ALSO THE "EXCLUSIONS AND LIMITATIONS" SECTION FOR A DESCRIPTION OF <br />BENEFIT LIMITATIONS AND SERVICES AND SUPPLIES THAT ARE NOT COVERED <br />UNDER THIS PLAN. <br /> <br />o Counseling for marriage, family and relationship problems. The <br />American family and the stresses upon it have changed dramatically <br />in the last few decades. A great number of marriages end in <br />dissolution. Single-parent and dual-career families are <br />commonplace. Today's relationships have conflicts and stresses that <br />were unknown to many of us during our upbringing. This plan covers <br />the services of a Participating Counselor to help a family analyze <br />and resolve the stresses that can lead to disharmony and breakup. <br /> <br />o Counseling for alcohol and drug abuse. There are no innocent <br />bystanders in the life of an alcoholor drug-dependent individual. <br />Friends, coworkers, supervisors and family members are all involved <br />and affected to some degree. This plan covers the services of a <br />Participating Substance Abuse Counselor to assist a Member in <br />resolving chemical dependency problems by assessing the problem, <br />intervening, breaking denial, arranging for appropriate treatment, <br />and motivating the individual to sustain sobriety and lifelong <br />recovery. <br /> <br />o Counseling for emotional, personal and stress-related concerns. <br />This plan covers the services of a Participating Mental Health <br /> <br /> <br />- 4 - <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br />, ,. ._, """.'''-'...'',"'''''' "-.-".-- , <br />