Residents of Massachusetts are not eligible for these bene昀椀ts. TERMS YOU NEED TO KNOW Chiropractor means a person, other than the insured or the insured’s family member, who • Is licensed as a chiropractor in the state in which treatment is received, and • While working under the scope of his license, uses manual or mechanical means to detect or correct disorders of structural imbalance, distortion, or subluxation of the musculoskeletal system and the nervous system for the purpose of removing nerve interference and related effects. The interference must result from or relate to distortion, misalignment, or subluxation of or in the vertebral column. Rehabilitation Facility is a unit or facility providing coordinated multidisciplinary physical restorative services. These services must be provided to inpatients under a doctor’s direction. The doctor must be knowledgeable and experienced in rehabilitative medicine. Beds must be set up in a unit or facility specifically designated and staffed for this service. This is not a facility for the treatment of alcoholism or drug addiction (except in Vermont). Telemedicine Service means a medical inquiry with a doctor via audio or video communication that assists with a patient’s assessment, diagnosis, and consultation. Observation Unit means a unit in which observation services are given through hospital outpatient services to help the doctor decide if the patient needs to be admitted as an inpatient or can be discharged. Observation services may be given in the emergency department or another area of the hospital. For a complete list of limitations and exclusions please refer to the brochure. Continental American Insurance Company (CAIC), a proud member of the A昀氀ac family of insurers, is a wholly-owned subsidiary of A昀氀ac Incorporated and underwrites group coverage. CAIC is not licensed to solicit business in New York, Guam, Puerto Rico, or the Virgin Islands. This piece is intended to be used in conjunction with the product brochure for Policy Series C80000 and is subject to the terms, conditions, and limitations of the plan. Continental American Insurance Company • Columbia, South Carolina