What Is Not Covered Property of Bind Benefits, Inc., d/b/a Surest. All rights reserved © 2026. 52 b) For Participants with hearing loss of sufficient severity that it would not be adequately remedied by a wearable hearing aid. 116. The Surest Plan will not pay for more than one bone-anchored hearing aid per Participant who meets the above coverage criteria during the entire period of time the Participant is enrolled in the Surest Plan. In addition, repairs and/or replacement for a bone-anchored hearing aid for Participants who meet the above coverage are not covered, other than for malfunctions. 117. Any type of communicator, electronic voice producing machine, voice enhancement, voice prosthesis, or any other language assistive devices. All Other Exclusions 118. Autopsies and other coroner services and transportation services for a corpse. 119. Charges for: a) Completion of Claim forms. b) Missed appointments. c) Record processing. d) Room or facility reservations. 120. Charges prohibited by federal anti-kickback or self-referral statutes. 121. Direct-to-consumer retail genetic tests. 122. Expenses for health services and supplies: a) For which the Participant has no legal responsibility to pay, or for which a charge would not ordinarily be made in the absence of coverage under the Surest Plan. b) That are received after the date the Participants coverage ends, including health services for medical conditions which began before the date the Participants coverage ends. c) That are received as a result of war or any act of war, whether declared or undeclared, or caused during service in the armed forces of any country. This exclusion does not apply to Participants who are civilians injured or otherwise affected by war, any act of war, or terrorism in a non-war zone. d) That exceed Eligible Expenses, or the Recognized Amount when applicable, or any specified limitation in this SPD. 123. Foreign language and sign language services. 124. Health care services that Surest determines are not Medically Necessary. 125. Long-term (more than 30 days) storage of blood, umbilical cord, or other material (e.g., cryopreservation of tissue, blood, and blood products). 126. Over-the-counter self-administered home diagnostic tests (except direct-to- consumer/home-based tests), including but not limited to HIV, ovulation, and pregnancy tests. 127. Physical, psychiatric, or psychological exams, testing, and all forms of vaccinations and immunizations, or treatments when: a) Conducted for purposes of medical research. This exclusion does not apply to Covered Health Services provided during a clinical trial for which Benefits are