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<br />was not eligible for coverage, OHS will deny coverage accordingly. <br /> <br />5. Medications, medical supplies and medical equipment are <br />excluded. <br /> <br />6. Workers' Compensation, insurance and third party liability <br />recoveries. services and supplies that are otherwise covered under <br />this plan are excluded to the extent that a Member realizes a <br />recovery from any source, including settlements and recoveries <br />derived from workers' compensation, a liable third party, or from <br />other insurance coverage (e.g., homeowners' insurance, under insured <br />and uninsured motorists insurance). Coverage for any condition <br />caused by another person's negligence or intentional act or omission <br />is excluded. This plan will, however, advance the benefits of this <br />plan, subject to an automatic lien against the recovery for the <br />usual, customary and reasonable value. <br /> <br />7. Fitness for duty opinions are excluded. <br /> <br />8. Medical records. Charges associated with copying or <br />transferring medical records are excluded. <br /> <br />9. Mid-year plan changes. Benefits under this plan that are <br />subject to annual benefit limitations, will not be increased, even <br />when a Member becomes covered under two separate OHS plan contracts <br />during the same annual period. <br /> <br />10. Coordination of benefits. This plan does not coordinate <br />benefits with any other plan that may be maintained by a Member. <br /> <br />UTILIZATION REVIEW <br /> <br />This plan includes prior, concurrent and retrospective review of <br />certain proposed courses of treatment to determine whether the <br />proposed treatment is Medically/Psychologically Necessary and the <br />services are covered under this plan. The determination of the <br />reviewer or professional review organization is not a substitute for <br />the independent judgment of the treating physician as to the course <br />of treatment. utilizatiòn review decisions that are not consistent <br />with a treating physician's determination do not preclude treatment <br />but do determine OHS' coverage for such treatment. <br /> <br />PREPAYMENT FEES <br /> <br />Employer is responsible for the collection of any applicable <br />Subscriber monthly prepayment fees that are paid in contribution to <br />the expense of this plan. You may obtain information regarding <br />total monthly fees and any necessary payroll deductions from <br />Employer, if applicable. OHS will notify Employer at least 30 days <br />in advance of any change in prepayment fee requirements. <br /> <br /> <br />- 8 - <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br />-¡O--'" ,,, "'" <br />