Dependent means your spouse or your dependent child. Spouse is your caused by or contributed to by a heart attack (myocardial infarction). legal wife, husband, or partner in a legally recognized union. Dependent Treatment does not include maintenance drug therapy or routine follow-up children are your or your spouse’s natural children, step-children, foster visits to verify whether cancer or carcinoma in situ has returned. children, children subject to legal guardianship, legally adopted children, YOU MAY CONTINUE YOUR COVERAGE or children placed for adoption, who are younger than age 26 (In Arizona, on the effective date of coverage). Newborn children are automatically Your coverage may be continued with certain stipulations. See certi昀椀cate covered from the moment of birth. Refer to your certi昀椀cate for details. for details. A doctor does not include you or any of your family members. In Arizona, TERMINATION OF COVERAGE however, a doctor who is your family member may treat you. For the Your insurance may terminate when the plan is terminated; the 31st day purposes of this de昀椀nition, family member includes your spouse as well as after the premium due date if the premium has not been paid; or the date the following members of your immediate family: you no longer belong to an eligible class. If your coverage terminates, we • Son • Father will provide bene昀椀ts for valid claims that arose while your coverage was in • Daughter • Sister force. See certi昀椀cate for details. • Mother • Brother NOTICES This includes step-family members and family-members-in-law. If this coverage will replace any existing individual policy, please be aware Employee is a person who meets eligibility requirements and who is that it may be in your best interest to maintain your individual guaranteed- covered under the plan. The employee is the primary insured under the renewable policy. plan. Diagnosis of a Heart Attack (Myocardial Infarction) must include the following: • New and serial electrocardiographic (ECG) 昀椀ndings consistent with Notice to Consumer: The coverages provided by Continental heart attack (myocardial infarction), and American Insurance Company (CAIC) represent supplemental • Elevation of cardiac enzymes above generally accepted laboratory bene昀椀ts only. They do not constitute comprehensive health insurance levels of normal. (In the case of creatine physphokinase (CPK) a CPK- coverage and do not satisfy the requirement of minimum essential MB measurement must be used.) coverage under the Affordable Care Act. CAIC coverage is not Con昀椀rmatory imaging studies, such as thallium scans, MUGA scans, or intended to replace or be issued in lieu of major medical coverage. It stress echocardiograms may also be used. is designed to supplement a major medical program. Kidney Failure (End-Stage Renal Failure) is covered only under the following conditions: • A doctor advises that regular renal dialysis, hemo-dialysis, or peritoneal dialysis (at least weekly) is necessary to treat the kidney failure (end- stage renal failure); or • The kidney failure (end-stage renal failure) results in kidney transplantation. Maintenance Drug Therapy is meant to decrease the risk of cancer recurrence; it is not meant to treat a cancer that is still present. A Major Organ Transplant bene昀椀t is not payable if the major organ transplant results from a covered critical illness for which a bene昀椀t has been paid. Stroke does not include: • Transient Ischemic Attacks (TIAs) • Head injury • Chronic cerebrovascular insuf昀椀ciency • Reversible ischemic neurological de昀椀cits unless brain tissue damage is con昀椀rmed by neurological imaging Sudden Cardiac Arrest is not a heart attack (myocardial infarction). A sudden cardiac arrest bene昀椀t is not payable if the sudden cardiac arrest is