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covered spouse/domestic partner and $1,875 for  one or all dependent

         children. The coinsurance maximums will include out-of-pocket expenses

         for covered hospital, medical, mental health and substance abuse services.
         The coinsurance maximums will not include out-of-pocket expenses for

         covered home care advocacy program services as set forth in Section 9.8
         of this Agreement nor covered managed physical medicine services as set

         forth in Section 9.9 of this Agreement.
            (c) If there are no participating providers available within the GeoAccess

         standards established under Article 9.30, access to network benefits will be
         made available to enrollees for primary care physicians and core provider

         specialties as agreed under Article 9.30.
            (d)  Employees 50 years of age or older and their covered

         spouses/domestic partners 50 years of age or older will be eligible for
         reimbursement of up to 100% of reasonable and customary charges toward

         the cost of a routine physical examination provided by a non-participating
         physician.  These benefits shall not be subject to deductible or coinsurance.

            (e) The cost of certain injectable adult immunizations shall be a covered
         expense, subject to copayment(s), if any, under the participating provider

         portion of the Empire Plan.  As established by the 2010 Federal Patient
         Protection and Affordable Care Act, no copayment shall be required for the

         following: Influenza, Pneumococcal, Measles, Mumps, Rubella, Varicella,
         Meningoccocal  (meningitis), Tetanus, Diptheria, Pertussis  (Td/Tdap),

         Hepatitis A, Hepatitis B, Human Papilloma Virus and Herpes  Zoster
         Shingles (for age 60 or older) and shall be subject to protocols developed

         by the medical program carrier.

            (f)  Routine pediatric care,  including well child  office visits, physical
         examinations and pediatric immunizations, for children up to age 19 will
         be covered under  the basic medical program, subject  to deductible  or

         coinsurance. Influenza vaccine  is  included on the list of pediatric

         immunizations, subject to appropriate protocols, under the participating
         provider and basic medical components of the Empire Plan.  Preventive
         care services as established by the 2010 Federal Patient Protection and

         Affordable Care Act will be covered in full when an individual utilizes a

         Participating Provider.
            (g)  Routine newborn services covered under the  basic medical

         component shall not be subject to deductible or coinsurance.


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