40 What’s Covered This section describes the Covered Services available under your Plan. Covered Services are subject to all the terms and conditions listed in this Booklet, including, but not limited to, Benefit Maximums, Deductibles, Copayments, Coinsurance, Exclusions a nd Medical Necessity requirements. Please read the “Schedule of Benefits” for details on the amounts you must pay for Covered Services and for details on any Benefit Maximums. Also be sure to read “How Your Plan Works” for more information on your Plan’s rules. Read the “What’s Not Covered” section for more important details on Excluded Services. Your benefits are described below. Benefits are listed alphabetically to make them easy to find. Please note that several sections may apply to your claims. For example, if you have inpatient surgery, benefits for your Hospital stay will be described under “Inpatient Hospital Care” and benefits for your Doctor’s services will be described under “Inpatient Professional Services”. As a result, you should read all sections that might apply to you r claims. You should also know that many of Covered Services can be received in several settings, including a Doctor’s office, an Urgent Care Facility , an Outpatient Facility, or an Inpatient Facility. Benefits will often vary depending on where you choose to get Covered Services, and this can result in a change in the amount you need to pay . Please see the “Schedule of Benefits” for more details . Allergy Services Your Plan includes benefits for Medically Necessary allergy testing and treatment, including allergy serum and allergy shots. Ambulance Services Medically Necessary ambulance services are a Covered Service when: • You are transported by a state licensed vehicle that is designed, equipped, and used only to transport the sick and injured and staffed by Emergency Medical Technicians (EMT), paramedics, or other certified medical professionals. This includes ground, water, fixed wing, and rotary wing air trans portation. This also includes services rendered by an Emergency Medical Services Provider Organization within their scope of practice, performed or provided as advanced life support services, and performed or provid ed during a response initiated through the 911 system regardless of whether the patient is transported. If multiple Emergency Medical Services Provider Organizations qualify and submit a claim to Us, We: - May reimburse for one (1) claim per patient encounter; and - Reimburse the claim submitted by the Emergency Medical Services Provider Organization that performed or provided the majority of advanced life support services to you. And one or more of the following are met: • For ground ambulance, you are taken: - From your home, the scene of an accident or medical Emergency to a Hospital; - Between Hospitals, including when we require you to move from an Out - of - Network Hospital to an In - Network Hospital; - Between a Hospital and a Skilled Nursing Facility or other approved Facility. • For air or water ambulance, you are taken: - From the scene of an accident or medical Emergency to a Hospital; - Between Hospitals, including when we require you to move from an Out - of - Network Hospital to an In - Network Hospital;