118 Claims Payment” section as well as the “Consolidated Appropriations Act of 2021 Notice” at the front of this Booklet for more details. Benefit Period The length of time the Plan will cover benefits for Covered Services. For Calendar Year plans, the Benefit Period starts on January 1st and ends on December 31st. For Plan Year plans, the Benefit Period starts on your Employer’s effective or renewal date and lasts for 12 months. (See your Employer for details.) The Schedule of Benefits shows if your Plan’s Benefit Period is a Calendar Year or a Plan Year. If your coverage ends before the end of the year, then your Benefit Period also ends. Benefit Period Maximum The most the Plan will cover for a Covered Service during a Benefit Period. Biomarker A characteristic that is measured and evaluated as an indicator of normal biologic processes, pathogenic processes, or pharmacologic responses to a specific therapeutic intervention, including but not limited to: • Known gene-drug interaction for medications being considered for use or already being administered; and • Gene mutations and protein expression. Biomarker Testing The analysis of a patient’s tissue, blood, or other biospecimen for the presence of a biomarker, including not limited to single-analyte tests, multiplex panel tests and whole genome sequencing. Booklet This document (also called the Benefit Booklet), which describes the terms of your benefits. It is part of the Plan offered by your Employer. Centers of Medical Excellence (COE) Network A network of health care facilities, which have been selected to give specific services to our Members based on their experience, outcomes, efficiency, and effectiveness. An In-Network Provider under this Plan is not necessarily a COE. To be a COE, the Provider must have signed a Center of Medical Excellence Agreement with us. Claims Administrator The company the Employer chose to administer its health benefits. Anthem Insurance Companies, Inc., dba Anthem Blue Cross and Blue Shield was chosen to administer this Plan. The Claims Administrator provides administrative claims payment services only and does not assume any financial risk or obligation with respect to claims. Coinsurance Your share of the cost for Covered Services, which is a percent of the Maximum Allowed Amount. You normally pay Coinsurance after you meet your Deductible. For example, if your Plan lists 20% Coinsurance on office visits, and the Maximum Allowed Amount is $100, your Coinsurance would be $20 after you meet the Deductible. The Plan would then cover the rest of the Maximum Allowed Amount.